Can we afford this?

In general, almost everything has already been said; having children will be quite a tight situation. Building a house and having children at the same time is also something. Here, I would take care of or tackle one of these two things first.

Regardless of that, I would question the points

[*]Pension insurance (also Riester, Rürup, etc...): 123/month
[*]Disability insurance: 2 x 40 /month

for civil servants with lifetime tenure whether you really need these or if they really make sense. After all, that is 200€ per month.

Hello, calculate and reflect on the whole thing with children and possibly part-time. In your case, life would become tight.

25 years old, civil servant, good income -> still 30+ years possible duration
Do it!

20 years minimum fixed
During parental leave, the repayment rate could be reduced so that the burden is somewhat eased here.

Hello,

there should be no problems with you. I assume that you are in the higher service. A promotion to A10 is therefore mandatory anyway, and A11 should also be reached quite quickly depending on the authority and federal state (at least for one of you).
Regarding working hours after parental leave, I don’t know how it is regulated with you. In Hesse, 35% is the absolute minimum.
If you are married, your wife can also be in tax class 3 and you in class 5, then the parental allowance increases accordingly. After that, you can simply go to class 4 and then you don't have to worry about any back payments.
If you both work at the tax office, I probably could have saved myself all this because you probably already know everything anyway

Greetings

It’s tight, and if your income decreases during parental leave (2900+750+200 child benefit = 3850), you won’t make ends meet anymore. You will get the loan here and today, but you also have to manage during this time!!

Almost 4,000 and a rate of 1,200 is no longer possible?
That assessment really makes me think.

Today I’m in a good mood and just say go for it.
Land available, both civil servants, hardly anything can go wrong.
You should be able to bridge the time with the children, but then work again with more than 25%, so that holidays are also comfortably possible.

Thanks for the encouragement
She has to do at least 25%, but it will probably be 30 or 35%.

Basically, almost everything has already been said, with children it will be a really tight situation. Building a house and having children at the same time is also something. Here I would tackle/finish one of the two things first.

Regardless, I would question the points

[*]Pension insurance (also Riester, Rürup, etc...): 123/month
[*]Disability insurance: 2 x 40 /month

for life-time civil servants whether you really need them or if it really makes sense. That’s 200€ per month after all.

Well, with children we would inevitably have to enlarge at some point. The rents for apartments over 100 sqm here are only marginally lower than the aforementioned 1,200, so it’s not really worth it. We thought it makes sense to connect the years in which you don’t take big holidays because of small children, with the years in which you have to save because you’re paying off a house. When the children are older, we will already be on a different financial level and can then think about holidays again.

The Riester pension is currently being reviewed, because I also think it’s useless.
We want to keep the disability insurances until our theoretical retirement pay is enough to live on. That is currently not the case yet.

Hello, calculate and reflect the whole thing with children and possibly part-time. In your case life would then become tight.

So, assuming the values from 2021 (until then the base salary and the level increase automatically):
Me 3,171
My wife 750 on parental leave (that would be about 1,500 euros in total, but if financially possible it should be split over two years)
200 child benefit
250 family allowance from the first year of life
+ optional 728 at 25% from first year of life
Sum: 5,099 (or 4,371 without the part-time)

From the 2nd year of life
Me 3,171
My wife 995 with 35%
200 child benefit
250 family allowance
Sum: 4,616

Afterwards she can also do a good 50% again or child 2 will come immediately afterwards
That way I would also earn more again.

25 years old, civil servant, good income -> 30+ years term possible
Do it!

20 years minimum fixed
During parental leave, you could reduce the repayment rate so that the burden here is somewhat softened.

Thanks

Morning,

there should be no problems for you guys. I assume you are in the senior service. A promotion to A10 is therefore mandatory anyway and A11 should also be reached relatively quickly depending on the authority and federal state (at least for one of you).
Regarding working hours after parental leave, I don’t know how it is regulated with you. In Hessen 35% is the absolute minimum.
If you are married, your wife can also go into tax class 3 and you into 5, then the parental benefit increases accordingly. Afterwards you can simply go into class 4 and then you don’t have to worry about additional payments.
If you both worked at the tax office, I probably could have saved myself all this stuff now because you surely already know all this anyway

Greetings

Hit at the tax office
We can reduce to 25% during parental leave.
Yes, senior service, A10 in 2021 and A11 we will also probably take by 2025 at the latest. My wife also wants to try to get into a management position then. Financially it will therefore always get easier, even if the children become bigger and more expensive.
A look ahead with figures from 2019 expecting 2025:
Me 3,708
My wife 1,442 (50%)
Child benefit 200
Sum: 5,350

Thanks anyway for the tips regarding the tax class change, it’s becoming more and more clear to me that I shouldn’t wait SO long with an application.

Almost 4,000 and a rate of 1,200 is no longer possible?
This assessment really makes me think.

We all have very different resources and lifestyles. Therefore, some people with an extensive leisure budget can no longer imagine a disciplined household. The beloved everyday habit "not feeling like cooking again today, we go to a restaurant with the four of us," for example, quickly and inconspicuously consumes four figures every month. Perhaps a few financially intensive hobbies are added to that. You don't have to worry. The ratio is not generous, but solid, and your prospects are great—as long as you follow a common path.