Evaluation of our financing offer

You have €320k in equity but no money to pay for your own car insurance?

260k Euro

a bit of fortune

260k euros come from a field sale. And our parents are so kind to cover such costs for us so that we can also build up a bit of wealth.

260k Euros come from a field sale. And our parents are kind enough to cover such costs for us so that we can also build up some assets.

That is really great for you, but you should develop a sense for financial matters if you are interested in a property. 320k is not "a bit of wealth," but more than many dream of having saved up by retirement.

What exactly is your question in this thread? You have enough equity, you have parents who both provide significant financial support and, together with the daycare, make it possible for you both to work full-time. So where are you still uncertain?

That is of course a matter of interpretation, but you could also turn it around and say that you pay for your car insurance yourself, but your parents built up wealth for you. It’s six of one, half a dozen of the other.
You probably didn’t win the field at a raffle either, but it comes from family ownership?
There is nothing wrong with that, but if the capital comes from the family, just admit it. That’s the case for many.