It is reprehensible because the OP did not ask "third child or property?" The third child was presented to us as an already made decision, the property alone was up for debate. Then to come and say "you want a house, better forget about the child" is the move I find wrong.
But then you also have to have the balls to tell the OP very clearly:
Your plan with this rate and 3 children? Forget it.
You know. My concern here is actually to give people serious advice and not to dream castles in the air with them.
I know exactly what I'm talking about. 2 children, around 5,000 EUR net fixed, but only 1,200 EUR rate. And then there is not even 2,000 EUR left per month.
This "we will save really, really hard for 10 years" is a sham. The eldest now wants to learn to ride... 2x per week an hour... about 250 EUR/month...
And then with 6,000 EUR net, 3 children and 3,300 EUR rate? Forget it.
That is possible if you give up almost everything. But why would I bring 3 children into the world whom I then can only buy bread and water for?