Feedback on financing requested

The current interest rate is higher and the existing equity in the income could also be higher. Otherwise, calculated realistically.

Always keep in mind the income and expenditure situation with children. As project managers, you can roll something like that out.

Easily doable with the income.

With this great salary, there should easily have been more equity saved up? One should be able to save 40-50k per year, right?

Respect if you still save 50k with a family net income of 75k. That would correspond to expenses of 10k per year besides rent.
And the income wouldn't have been like that from day one either.

With the salary, it should be doable.

But soon the people will come again who think that 1-2 years of parental leave seem to threaten their existence.

I believe that with the salaries, no one needs to worry. Both will earn very well.

Respect if you manage to save 50k from a family net income of 75k. That would correspond to expenses of 10k per year besides the rent. And the income hasn't been that high from day one either.

With that salary, it should be doable.

I see it the same way... we saved 50k in a year... but still with well over 6000 EUR net per month. Unfortunately, people quickly adjust their expenses to their income :)