Financing a single-family home solidly?

Well, we don't know your lifestyle and previous saving rate. But if a large part of the 200,000 was saved in the last 3-4 years, you must live extremely frugally. With 4,800 net...
Honestly, the relatively low repayment surprises me. A 5k special repayment per year isn't that much either.

But overall it's all fine.

I have absolutely no fear of our nearly 500k loan. I just pay it every month as I would normally pay the rent. I never calculated the rent over the next 20-30 years anyway.

Equity depends on gifts / inheritance etc.

is saved by yourself, after all, you asked yourself…

Interest corresponds to what I currently consider usual for the conditions. There are always minimal deviations, but I wouldn’t expect any big jumps anymore.

3-4 years saving 200k means every month: saving nearly €4,200 monthly over 4 years and that with €4,800 net income. Unfortunately, that doesn't add up.

Yes, the definition of "self saved" is interpreted broadly by many. It is also self saved because one disciplined oneself not to squander the gift of 80,000 euros ;) But I really do not want to accuse the OP of anything. Normally, you can often roughly calculate the savings rate for the house + saved cold rent as a possible monthly loan burden. However, for me there is a discrepancy between the probably very high savings rate and the monthly repayment. Although I basically find the repayment OK for the monthly income. I personally just would not have been able to save that much with 4800 net. Maybe there was a fat severance or something like that... could be anything. To be able to assess the whole package, a few details about the lifestyle are missing. And as always, filling out the questionnaire helps :)

Yes, it’s self-saved. Although after the child, not much happened in the first 2-3 years. In the last few years, we were able to do quite a bit.

Lived for free at Mom+Dad’s for 10 years? I just want to understand.

Lived free of charge with Mom+Dad for 10 years?
I just want to understand.

Hmm, even if I don’t post the complete expense list here: no money from Mom/Dad, no inheritance, own apartment. How does that work????
Simple: met 15 years ago, moved in together 12 years ago, and then always saved sensibly. Sometimes more, sometimes less. That adds up. Also, I get a 13th salary which you don’t always have to blow. So you can save a lot of money without much help, but you have to want it. Now in Corona times, we even saved 30k in one year. But now we’re drifting off again. I was talking about the interest rate and it seems quite okay. So we will now start building the house :) thank you all!