Finance Single-family house - Feasibility?

Reason? Relatively low means about 1000€ for me. Of course, a monthly rate of 500€ makes no sense.

Reason? Relatively low means about €1000 to me. Of course, a monthly rate of €500 doesn't make sense.

You can only get a relatively low monthly burden through a shorter fixed interest period or repayment term. How low should the repayment be so that the burden including additional costs is acceptable? Example (380k€ loan, 15 years fixed interest at 1.9%) If we assume €1500 (36% of income) including additional costs, that's a rate of €1100 and a repayment period of 42 years without special repayment. After 15 years there is still an outstanding balance of €276k.

Where should the special repayment come from with 2 children in the future? Salary increases in the public sector are only every 5 years with 2%, right?

I myself will end up with a cost ratio "income/rate + additional costs" of 34%, but one child is now out of kindergarten/daycare age and the second child will be contribution-free from next year. That means I will only have to save such high contributions as the daycare fees again for the children starting at university.

Salary increases in the public sector are also only every 5 years by 2%, right?

Collective bargaining takes place every 2 years + increases according to the respective levels after x years of work. With the 13th salary + 9b, you certainly won’t be struggling in 10 years and should be heading towards 5k net +.

Collective wage agreements take place every 2 years + increases based on the respective levels after x years of work. With the 13th + 9b, you certainly won't be struggling to make ends meet after 10 years and should land around 5k net+.

Ok, then it was the increase every 5 years through the respective level. But as already said, you also have to get through parental leave and parental allowance with this loan. Slightly off-topic: Out of interest, I researched "house building and separation" yesterday. In combination with the topic "having children almost at the same time," the frequency was really sobering. Both are severe interventions in the usual togetherness of a couple, so I am glad to have one of the two topics behind me.

In which elite daycare have you enrolled your little ones?

I'm not saying it's the optimal solution for the OP, but it would give him more leeway for the years of parental leave,...
With an average special repayment of €500/month, you can already deduct €90,000. That might include a few years without or with only a small special repayment, but also the years before the children or after parental leave + salary increase with higher special repayment.

In which elite daycare did you put your little ones?

If the woman wants to go back to work, care must be ensured for both children, right? And if you don’t have family within a 400 km radius, even more so. This has nothing to do with elite. I’m already blessed with my wife’s job, which is really child-friendly in terms of hours; I’ve heard of other cases where the kids have to spend from 7 a.m. to 4 p.m. in daycare. But that’s another topic...