Expert assessment required for financing

Hello home builders!
While researching whether our current offer is a good one, I came across this very informative forum!
We (28 & 32), both civil servants with a total net income of 6k (equally split) per month, are about to purchase our first property. We currently save about 30k per year and want to contribute 100k to the financing. We would then have 30k left for special requests and furniture. We currently have no loan burdens, our lifestyle is rather average, no expensive hobbies and practical items, and
The purchase price including all incidental costs directly from the developer (turnkey semi-detached house) is €490,000.

1st offer
30 years full repayment at 1.44% effective; 5% special repayment; 2.8% amortization annuity about €1400

2nd offer
15 years at 0.85% effective; 5% special repayment; annuity €1250; residual debt about €220k without special repayment.

3rd offer
20 years at 1.35% effective; 5% special repayment; annuity about €1100

We are planning to have children and do not want to overextend ourselves with the rate. At the same time, we want to have security and also plan to make special repayments.

My gut feeling says 30 years is great, but maybe the rate is too high if children are coming.
What do the experts say?

Hello, you have a very good savings rate and probably want children. I would therefore tend to between 2 and 3 and also increase the repayment rate there. Are you currently paying rent?

Why pay for a 30-year full repayment loan if you are planning special repayments anyway, which seem quite realistic? I would tend towards option 2 but set the installment as in 1) to 1400. I consider a remaining debt under 200k to be uncritical.

Why pay for a 30-year full repayment loan if you are planning prepayments anyway, which do seem quite realistic? I would lean towards option 2 but set the rate like in 1) at 1400. I consider a residual debt under 200k as uncritical.

The idea is that you can make prepayments, but you don't have to. If we do it, great! If not, also not a problem.

Hello you have a very good savings rate and probably want children. I would therefore tend between 2 and 3 and also increase the repayment share. Are you currently paying rent?

Yes, we are living at a (low) rent and planning children.

Clearly the 10-year fixed interest period. In your situation, there is no risk.