Current financing offer from the house bank

I believe you won't find anything better than the loan-to-value…

for me, the outstanding debt after 20 years would be too much… I couldn't sleep peacefully!

The problem is that the installment of currently 2,260 euros is pretty much the maximum we can/want to pay...

Your previous answers make it seem as if your decision is already made.

Personally, I find the plan to be right on the edge.
You have to decide for yourself whether you trust yourself to handle it and whether you are sure that no other factors, like another child, will turn the income upside down again.

Thanks already.
Well, I am comparing what I currently pay in rent, what I would have to pay with a second child to then know what I could afford for the repayment.
In addition, my wife works part-time.
The financial background in the family is also given, although I get 0 euros from my parents, which I actually find quite good.
Well, then I will probably have the contracts drawn up and spend the next 4 weeks looking intensively again and surveying the market.

What’s annoying is that I almost signed for 1.02% interest in September with the same parameters. However, the house was at that time a Dacia with 120m2 and 250m2 land (according to the land register 280m2 divided as WEG, no idea if that was why the interest was so good)?

Today 145m2, quality Volkswagen with 160m2 land

The house was, however, a Dacia back then [.]. Today 145m2, Volkswagen quality with 160m2 plot

It's nice if your loan is a Mercedes now :p

It's nice if your loan is now a Mercedes :p

:( I had set myself a target installment of 2,000 euros, but unfortunately I can't manage that due to the increased interest rates. Well, whatever.

What are the data of the object? Size, location, [Bodenrichtwert] etc?