I was cycling there yesterday, today with the family at a playground near the construction site. It doesn’t help, not at all. The thought of rather staying in our rented apartment and striking if something should become available in my parents’ settlement (where I grew up) has been ingrained in me since signing.... The advantage would be that the surroundings stay the same, the kindergarten stays, you know everything.
Disadvantage: maybe nothing will be available there in the next few years or I won’t get access or the price train has left.
What would you do? So purely based on my current post?
Roll the dice!
This is by no means meant maliciously but you probably won’t get further this way. Everyone here has a different background, so their opinion only helps you to a limited extent. If the competent statements regarding the financial aspect haven’t helped you, you can hear 50 more opinions. If you keep it, you will agonize, if you sell, probably as well.
It’s not the house, you have to search (or let yourself be helped to search) for the clarification inside you and your fear and even better TOGETHER with your wife! Fear itself is a good thing, but by now it has probably turned into panic; that is less good.
Around you, you will have backslappers and hesitators, none of which will probably help you. As long as you don’t decide, it will continue to torment you. Maybe you should also make clear to yourself that you are currently not in danger of your life (although you apparently feel that way), but have a (luxury) problem that nevertheless feels like life-threatening.
Whether you say yes or no or whether YOU BOTH say it is thus almost irrelevant; both have advantages and disadvantages. In any case, you won’t go under because of it, not because of the house. But if you don’t clarify it together, it can become a big problem for you two and then you would wish you had your current problem back.
My tip: read the posts here again, use the option of a therapist but clarify it WITH your wife. More than everything has already been said here. I can somewhat empathize, by now I also sometimes find it hard to decide.
So — roll the dice!