Evaluation of our financing offer

I would like to mention some more uncertainties in the planning: 2 doctors with shifts quickly earn over 150k gross, then the 1800 euro parental allowance disappears without replacement. And: whether it really works to work (a lot) again after one year is very individual, maybe also depends on the child. Both parents employed with shifts in the hospital is possible but I have already seen some (mothers) who then stay away significantly longer. There is also a certain time pressure due to age – exam at almost 32, pregnant at 33 and the 2nd child at 36. I wish you that it all works out, but I have experienced several fertility treatments in my academic circle of friends in their mid-30s. Since the generous support of wealthy parents is in the background, of course these are no reasons not to buy the house. Just wanted to mention from my own experience that not everything always has to go easy according to plan.

The parents are adults too and need to know what they are signing. I trust that they do. I suspect the parents are only involved in this arrangement because the "dream house" appeared 2 years earlier than expected and they don't want to let the house slip away. Opportunities to buy a house within walking distance to the parents don't come along every day.

I can't project my feelings onto others. I wouldn’t have wanted my parents on the loan agreement either. But I am open to the possibility that other people have a completely different relationship with their parents. If both parties are willing to enter such a dependency on each other, that suggests a close relationship of trust exists. That’s not common, but I sincerely wish them well.

If the parents actually have to help care for the hypothetical children at some point, it wouldn’t be a long-term situation. My mom also promised to help if worst comes to worst. She said at some point that it’s a nice thing in old age to be needed again. If that were the case, it would always be an emergency solution and only for the absolutely necessary duration. Suppose the OP doesn't get a daycare spot immediately, that doesn’t mean they won’t get one permanently.

But we are talking about a large financial dependency here. Don't take it the wrong way, but are you really taking control of your own life if you let your parents cover larger additional costs and also half of the mortgage?