Very healthy would be 60% loan, 40% own funds. If younger, then 75 to 25, always plan so that you have fully paid off by retirement. Better to build smaller and pay off over twenty years than a palace and thirty years. Keep in mind, now you are three, possibly soon four, after twenty years only two. Therefore, big enough but not too lavish. A children's room of 12 sqm is also okay. A bedroom does not need a walk-in closet, a second bathroom is unnecessary, a second toilet with washbasin is sufficient. If enough money is there, okay, then do it. If it is only possible on credit, limit yourself. Don’t be blinded by phrases like: You want to have it nice. That is the standard nowadays. Etc. You are you and not one. Having it nice and having it expensive are not the same. What standard is you define for yourself. Better no walk-in closet but enough money for a new corner sofa, because the old one from the rental apartment now really looks old in the new building. There are three equipment traps in new buildings, well, four. Front door, bathroom, kitchen, building technology. Here they fleece owners like Christmas geese. Here, between uninformed acceptance and questioned alternatives, there are 20 thousand in difference. Karsten