End-terraced house 485,000€ credit loan. Is house purchase financeable?

It's basically just first-grade math here, ok, third grade, because numbers >100, to determine that this doesn't work permanently.

Seriously, which “advisor” wants to “push” this loan on you?

Your feedback is also very sparse. Exactly how are the 1360 € composed?

Basically, first-grade math is enough here, ok, third grade because numbers >100, to determine that this doesn’t work permanently.

Seriously, which "advisor" wants to "sell" you this loan?

Your feedback is also very sparse. How exactly do the €1360 add up?

The thing with the advisor isn’t even that bad, he just wants to make money. Much worse is that the bank doesn’t see any problems in this setup either. As if nothing has been learned...

Hmm, so for me it’s not necessarily the loan amount in relation to the current income causing concern here (120-122x). That is also by no means insignificant and not necessarily something all banks do (but it also doesn’t sound like "this has never happened before"), but rather a bit the question marks behind the incomes.

I think building during family planning is generally very risky. On the one hand, at that moment usually (except for the "man earns 10k net solo" people) the income situation is not great and on the other hand the development is unclear. If for some reason re-entering the workforce takes longer, then suddenly things look very very very tight. That means I would definitely play through some scenarios before building exactly in that situation. The optimal thing would probably be to postpone the house project until you know a bit more precisely where you stand financially (E.g. both working again or alternatively also knowing for certain that it’s not the case) and keep saving until then.

Practically, I can also understand if you don’t want that, but hmm. For me, quite a lot of flexibility in the financing would be important then, and then the question is whether the banks will even go along with that in this form.

We finance just under 500k with €6,400 net household income (without other liabilities and with two very secure jobs) and are already uneasy about it. If I were you, I wouldn’t even consider buying a house until the net household income increases significantly.

The supposed "debt mountain" doesn’t matter at all. A number somewhere on paper. You only notice it with the monthly bank debit, not much different from rent, and that’s it. Apart from the seemingly low value for all the money, part of the problem is that commitments are being made now, but the path to the value is still so long. The reward is still far away. But this can be endured, even if only by persevering.

The so-called "mountain of debt" doesn't matter at all. A number somewhere on a piece of paper. You only notice it with the monthly bank withdrawal, not much different from rent, and that's it.

Apart from the seemingly low value for the large amount of money, part of the problem is that only obligations are being incurred now, but the path to the value is still so long. The reward is still far away.
But that can be endured, even if only by perseverance.

When then the money is missing for other things, like school trips for the children or going to the cinema, you notice the "mountain of debt" not only with the monthly bank withdrawal.