Cancel the loan and accept a better offer?

Sure, at 0 EL it pretty much doesn't matter whether you have a Blag or not ;). And at 1.5 years the kid can already walk, but is just as dependent on you as shortly after birth - actually even more exhausting, because he no longer sleeps half the day.

And after birth is after birth - I didn't write anything about "shortly after" or anything like that ;)

Otherwise, it is very, very difficult with a child during planned finishing work and you have to be able to rely on your environment. I would do it differently today, but it's no longer possible :)

Yes, this is especially not for people who have a double burden with the finishing work. We do a lot ourselves and are already behind schedule. But we expected that beforehand, although the reasons are somewhat different. Nevertheless, our children (2.5 and 0.5 years old) contribute to it, but in a positive way. You just must not allow yourself to get stressed, otherwise it becomes a botch job or you move in directly with the screed (like others in the area).

Quick update: we actually revoked the contract and agreed on a new offer with the bank.

We have put the 30-year loan matter behind us because the costs would have been simply too high.

The flexibility we wanted is now secured as follows:

€50,000 KFW loan
€80,000 over 20 years at 1.78% and the rest also over 20 years at 1.78%.

This way we can comfortably put as much as possible into repaying the smaller loans and thus reduce our monthly burden in the foreseeable future after repayment. In addition, by revoking we also saved several thousand euros in interest over 20 years.

It was definitely a razor's edge ride, but it was worth it :)))

Thanks for the opinions here.

Nur am Rande: Betreuungsgeld gibt es nicht mehr!

In Bavaria, things run differently,... Here we have something like Betreuungsgeld, Herdprämie or whatever you want to call it. It is currently suspended, but is supposed to be paid retroactively. Parents who received Betreuungsgeld are currently still receiving a payment of the same amount,...

We will still get that too, but there are no more new payments. And retroactively, we will probably wait and see, when is your state election? ;)

Having or not having is a difference. The banks don’t factor it in anyway, but if you take another thread as a reference, an additional 3% of household income isn’t bad either ;)