Construction of a terraced house

is of course quite a hit at 430€/m².

You are roughly at ~1800€ (with a 460k€ loan) per month plus additional costs. So if you have children, that's over 50% of your net income just for housing. Personally, that would be way too much for me.

Daycare fees can be pretty expensive, especially if the price per m² is already that high for you.

That's just how the prices are here, nevertheless thanks for your opinion.

Give some more info about the plot. Don’t let yourself have to pull everything out of you piece by piece.
24 installments at 400 euros, you're not really paying much off. You wrote in the first post, residual value 100,000, that should mean outstanding debt, right?

Exactly, the outstanding debt amounts to 100k€ after the fixed interest period.....

What did the financing proposal from the bank look like?

In general, children are expensive and become more expensive as they grow older. Children also have wishes, want to do hobbies, etc. From which money is saving done, additional retirement provision made, vacations paid for, the broken washing machine paid for, possibly the broken heating replaced in 10 years, a new car bought?

How do you see the household budget with children in your opinion? Write down a few numbers about it? Please be as complete as possible from your point of view!

Comments like, that's just how it is or we know that too, are not helpful from your side. You want to know if we also perceive it as a healthy financing to give you a positive feeling.

Otherwise, you could have saved yourself the thread, right?