Evaluation of our financing offer

@ypg what unknowns?

The salaries. Quite simple. Just because you assume he earns €3300, you earn €1800 during parental leave, and together you then have €6500 or €7700, that is purely fictitious. But hey, you live in the East, so apparently the clocks tick differently there, as you say. Doesn't matter. The parents can step in when it gets tight. They already do. That is perfectly fine. But keep in mind: They also have to work for their salaries and have their own lives, so they can't always take care of the child or even two so that you can work.

But the bank will have to agree in the future. You are dependent on goodwill there. Why should the bank give up security?

That is correct. However, it will be included in the resolution... But 100% security does not exist, that is also true.

The salaries. Quite simple. Just because you assume that he earns €3300, you earn €1800 on parental leave, together then €6500 or €7700, that is purely fictional.

But hey, you live in the East, so the clocks apparently tick differently there, as you say. Whatever.

The parents can step in when things get tight. They are already doing that now. That is totally okay.

But consider this: They also have to work for their salaries and have their own lives, so they can't constantly take care of the child or even two, so that you can work.

Why is that fictional? My boyfriend has a job offer. The collective agreements are accessible to everyone, so I already know what to expect.
Here, it is just the way it is that you don't stay at home for 3 years or any such length of time. I didn't study medicine for 6.5 years for that...
We are very grateful to our parents and also appreciate it very much; I don't really know where your problem is with that.
And the children shouldn't constantly go to my parents, as I said, fortunately daycare spots here are not so scarce.

where your problem is.

I have no problem. You asked what the unknowns are, and as long as everything only works out mathematically in the future, these are "unknowns," even if you see it differently.

I will take 1 year of parental leave (there is also 1800 euros of parental allowance) and then go back to work. That’s how it is here in the East :D There are plenty of daycares here and they are open at least until 5:30 pm. As I said, my parents live only a few houses away.

This is not only the case in the East, many families all over Germany do it like this. My wife and I have also always believed that early educational support in childrearing is only beneficial, but the statement of wanting to completely outsource this task seems somewhat odd to me for someone with your educational background. And I say this as a father of two who also counts himself and his wife as high achievers. Scheduling children in daycare until 5:30 pm is doable, but it has its price, and by that I do not mean the fees for the care place. However, thinking about this is definitely too early in your case – first become parents ;-)

we also had our doubts about this arrangement. But in fact, several offers were submitted. Direct banks (DKB etc.) of course do not do such things. The plan is to release the parents from the loan agreement as soon as our income is equivalent to their current income.

We didn’t even inquire at direct banks. With the current decline in the mortgage business, I can well imagine that some banks are extending their discretionary leeway more than was the case 1.5 years ago and thus also accept unconventional arrangements.

I don’t see it as critical as long as the relationship with the parents is good and fits. They will both become doctors. He has a job offer. Sure, a lot can still happen – the employer could withdraw the offer, she might not pass her final exams – so what? The likelihood of something like that happening is not huge. The OP can probably best assess herself whether she will pass her exams. And even if the job gets canceled again – I can well imagine that as a doctor, one could find another position somewhere. The parental allowance (for the still fictional children, mind you) is less fictional than the children themselves, since 1800 is the maximum, and you get that with 3.3k net income. Sure – the rate could change in the future. Maybe we’ll switch to the American model and pay no benefits to young mothers anymore. Everything is possible. But it’s also possible that they separate, that one gets run over by a bus, that they fall out with the parents… I’m a big fan of living life, and doing so with the conditions as they currently are. The OP has researched the right values/conditions for the current reality. Now she has the choice to keep dreaming her life – because there are no guarantees about what will or could be. Or she puts her plan into action, lives her life, and risks the worst-case scenario happening. Which in this case would be: the house is gone, and possibly a financial disadvantage has arisen. Plenty of people have stumbled and gotten back up again, straightened their crown. Long story short: with the conditions you’ve mentioned: I’d do it.