Construction financing - what can we afford?

So we spend about €400-500 alone on food, drinks & toiletries (excluding restaurant visits) for 4 people. The youngest is 1 year old.

Our €700 buffer is currently still regularly evaporating
A house needs to be furnished... be it lamps, carpets, grill, garden tools, furniture, mirrors, kitchen appliances....

per child about 6 or more pairs of shoes at 60-80€

And even if loans are paid off after 10 years, by then things like heating, household appliances, and cars need to be replaced.

I am surprised that these statements remain uncommented. Even if it has to be 6 or more pairs of shoes, they certainly do not have to be 60-80€ per pair, unless the parents are already showing the toddlers a brand obsession. I also strongly doubt that heating and cars only last 10 years. Maybe people want to replace these things then, but they don't have to.

I am surprised that these statements are left uncommented. Even if it has to be 6 or more pairs of shoes, they certainly do not have to cost 60-80€ per pair, unless the parents are already instilling brand obsession in toddlers.

I also strongly doubt that heating systems and cars only last 10 years. Maybe people want to replace them then, but they don't have to.

Some people just care about shoes. We just bought first walking shoes for 87 €. But yes, otherwise we make sure to buy brand shoes on sale. For 3-year-olds, they also cost 30-40 € per pair. You want to have decent soles. At this age, they are still learning.

Clothing should not be underestimated either. Yes, you can also buy at Kik, Aldi & co. We only buy underwear, socks, etc. there. Sweaters are bought from Limango, pants too. They look good, higher quality.

Children cost money.

It is undisputed that children cost money. I also agree that one tends to pay more attention to quality with shoes than with socks or T-shirts. Brand-name shoes = reasonable soles... I wouldn’t necessarily conclude that. At least if it is meant to imply that cheap shoes don’t have reasonable soles. Our impression is rather that especially the expensive brand-name items are made particularly cheaply (not economically).

Although this leads away from the topic, so sorry to the creator.

Then I also have to go briefly off-topic. I bought sandals for our little one at LIDL. They did not pass the skeptical inspection of my wife, and sandals from Pepino were ordered instead. And I have to say, the ones from Pepino make a clearly better impression. The workmanship is better, as you can clearly feel, for example, at the seams—nothing rubs or bothers. But most importantly, the sole is much more flexible and thus better suited for learning to walk.