Construction financing - mortgage instead of equity?

I fear so too. Everything is in, but what? There is no leeway at all.

There is also child benefit as an income when there is offspring. Of course, children also cost money.

I think, especially as civil servants, you can already approach the project, the question was more whether the parents are now being "burdened". The clear answer was: no. Get started, and see what is really included in the planned house. Don't plan too sparingly, and continue to save in parallel in the near future. With your surpluses, something is always accumulating as well.

With a 1200 rate, life will work out fine. Whether you absolutely have to take a vacation for 7200 euros a year is also the question (saving potential) and Sky for 50 euros should also be reconsidered if money gets tighter, BUT with a 1200 rate and your loan amount you still have an immense remaining debt after 15 years. That would give me much more headache

SKY definitely has to go (or what Zauberwesen says), my boyfriend just forgot to cancel it.
The vacation thing is the current snapshot - that won't work anymore with a child anyway.

I also once bought a house from a builder, and everything was "included". In the end, I had to do the outdoor facilities (garden and terrace), ordered more sockets than the builder planned (there were only 2 sockets per room), had to paint/wallpaper myself, had to pay extra because I wanted the floor tiles laid diagonally, and of course I had to pay for and have all floor coverings installed myself.

So if everything is included except the kitchen, that's already really good!

Nobody here wants to talk you out of building/financing a house. They are just giving the questioners a little push to really think everything through. Everyone decides for themselves.

I am 37 and grew up very modestly, so for me it would never be an option to involve my parents financially (especially not with their house!!). I think your parents will surely support you if a few euros are missing here and there. That's how it can and will work.

Nevertheless, I personally think the repayment rate is too low for the project. Without special repayments, a pretty hefty amount will be due at the end of the fixed interest period.

We’re really lucky; the outdoor facilities are included and everything else we want will be done by my brother-in-law (landscaper). The sockets are sufficient and everything else will be done by my father-in-law (electrician).
The floors are well calculated, 55 net for the parquet and 40 for the tiles. Painting work is included; we could still do that ourselves, which would reduce costs by 6,000 euros.

Personally, I would have left my parents out of it too. I even hesitated to ask them at all. But: my father was genuinely thrilled to be able to help us this way.
Probably have to say that my parents are not struggling financially. They have their house, worth about 700,000 euros, shares in a well-running tourism business, my father receives an above-average pension, and my mother earns quite well too.
Money is not there because they constantly have things done on the house, have two big cars, and constantly go on vacation. But it’s not like we don’t have a “background” to lend a hand sometimes (by the way, it’s similar with my boyfriend).

We definitely want to make special repayments. Of course, starting only on the 50,000 with the mortgage, preferably so that we have paid it off in 10-15 years!

Do you have a second and/or third card? Otherwise just cancel and wait for a new offer – here you can at least save 25€

Yes, the man of the house was really too slow there. But it has already been cancelled

Well, then you could, for example, reduce the vacation budget to €200 and pay off €400 more. Maybe even skip vacations altogether for 2-3 years. It's incredible how much saving potential you have there.

Okay, I expressed myself poorly there. The 600 refers to our monthly household expenses (food and such), including the vacations.

Oh, I see... actually a pity. It would have made some things easier...