Building financing for a semi-detached house - good one?

Hello pros / specialists

we want/will buy a semi-detached house in Lauf (Franken in Bavaria), or have it built by a developer. Below is everything important statically:
- Man: 35, €3,500 salary, secure job
- Woman: 31, €3,300 salary, teacher at a private school
- First child coming in January 2013
- Goal: Woman back at work from 9/2013 (possibly already with the state - civil servant status - currently still on the waiting list for this).
- Purchase price of the house: €310,000 (5% costs = €15,000) total: €325,000
- Equity: approx. €35,000 -> €25,000 to be used here
- To finance: €300,000

This offer is apparently only valid until Tuesday. Do you think it is a GOOD one?

Thanks for a quick help ....

uhhhh Tuesday next week? Then hands off. How long has the offer already been on your table? Have you had the contracts checked?

I would be cautious with these offer deadlines.

Then maybe a personal question that should make you think.... you earn 6000 net and only have 30,000 equity? Is your standard of living really that high? You should definitely include this fact in your planning. Can you restrict yourselves that far?

Then about the loan offer. It’s just standard... You have to refinance the Kfw loans after 10 years, so think about that. And why only 14 years fixed interest? In my opinion, that makes little sense, secure it for 20 years and with your salary, the place will be paid off after 20 years...

well, my opinion, and you should also save some equity. Because I don’t see incidental construction costs in the cost breakdown, nor what exactly is included... keyword construction performance description. Only if you know that, can you assess the project costs... But like this, no one can make a judgment.

Yes, it's about the day after tomorrow... or Wednesday should also be fine. Then the Sparkasse will end this special offer (there was apparently too much demand). It is supposed to increase by about 0.35. Why only €30,000 equity? Well, my wife has only been finished as a teacher since this year and I have had the current salary for only about a year. So we had to get by with about €2,000 before. Currently, we save about €2,000 - €2,500. We are very frugal; we have proven that for years ... :) 0815? Where can you find a better AG than 2.6 with a 15-year term? The goal is actually to be done after 15-20 years; annual special repayments... As mentioned, we are expecting a child next year. Therefore, we cannot and do not want to wait any longer (even if it would be sensible). Plus the brilliant current interest rate... Oh yes, we already have the offer from the builder. The additional construction costs are the mentioned 5% (1.5 notary / 3.5 tax etc.). The rest is all included in the offer from the builder. The builder contract is a standard one. It's really just about the financing offer for me ;-) But thanks already for the answer and opinion...

Oh yes, we will also receive rent for a condominium (about €500); the apartment will definitely not be sold ;-)

Currently we are saving about €2,000 - €2,500. We are very frugal;

If you have a net income of €6,000 per month and as a couple only save €2,000-2,500, then in my opinion that's not exactly "very frugal" ^^

Conversely, that means you spend €3,500-4,000 every month as a couple without children... most families have less available monthly! :)

Or are you talking about gross salaries? Because I don't know the private school but €3,300 net for an entry-level professional is not bad!

If you have a net monthly income of 6000 and as a couple only save "just" 2000-2500, then in my opinion that's not exactly "very frugal" ^^

Conversely, that means you both spend 3500-4000€ every month without children... most families have less available monthly! :)

or are you talking about gross salaries? because I don't know the private school but 3300€ net for a beginner is not bad!

I had given the gross salaries. Currently, that's about 4,000€ net ;-)