Assessing financing and special repayments - experiences?

hi everyone,

what do you think about a 15-year fixed interest rate loan of 4.15% for €170,000 and a 3.4% €50,000 KFW loan.
special repayment 5% and 12 months interest-free provision period. 3 repayment adjustments during the term.

Furthermore, I would like an assessment of whether our "remaining money" is sufficient.
so monthly with all deductions

(insurance house, private pensions, car, fuel, telephone, mobile phone, saving for special repayment €170 per year, saving for vacation €100, food and drink, ancillary house costs, house repayment, fitness)

we still have about €1000 available and if there should ever be a child about €600 to €700 without things like 13th salary and overtime etc. counted.

that should be doable, right?

thanks to you!

I have to correct the interest rate again 3.85% and Kfw 3.1% was quite amazed this afternoon :)

and what do you say about the conditions and the monthly burden?