Financing confirmation semi-detached house - Tariff I.O? Experiences?

I would say that is still feasible because there is still a lot of money in reserve. That is then used for the final financing. The potential 500€ surplus also sounds nice, provided it really remains. A house has higher additional costs than a rental apartment.

I assume you earn similarly much. During parental leave, it really gets tight, and you both must(!) quickly return to full work.

And actually, the kitchen is not co-financed by the bank but must come from equity.

1100 plus 500 per month is way too much for the future. When there are children, everything changes financially and suddenly you’ll be caught with your pants down. You still have to budget for the additional house costs (3-5 €/month per sqm). It will get pretty tight.

And actually, the kitchen is not co-financed by the bank but must come from equity.

1100 plus 500 per month is way too much for the future. When children arrive, everything changes financially and you suddenly find yourselves caught off guard. You also have to continue to factor in the ancillary house costs (3-5 €/month per sqm). It’s going to get pretty tight.

No, it can be co-financed, but it is not counted as value-enhancing or it increases the loan-to-value ratio.

Tip here as well: Before saying it’s not possible, income is too low or whatever, just ask for and obtain more information, otherwise it always sounds very odd to know better than the OP who - just by the way - most likely wanted to inquire or question something quite different, namely the financing model and the conditions, if you consider the thread and read its title.

1) When are the children planned? 2) Are figures regarding parental allowance already known? 3) Are there promotion opportunities so that income will increase until then, or is it planned only afterwards? 4) How are the net salaries distributed by tax class?

“It’s not possible,” “too little income,” etc., cannot be universally claimed without receiving further and more detailed information because possibly........

- work can and should be resumed quickly - parents might possibly take care of the children - the missing income can be compensated from additional equity - savings can be made in advance, which apparently is intended with the 500 euros?

And actually, the kitchen is not co-financed by the bank but must come from equity.

1100 plus 500 per month is way too much for the future. When there are children, everything financially changes and you suddenly end up caught with your pants down. You still have to continue to account for additional house costs (3-5 €/month per sqm). It will get quite tight.

full agreement

the OP should draw up a kind of "life plan" and compare income / expenses

In other words, if children come, what net income do we have, etc.

full agreement the OP should create a kind of "life plan" and compare income / expenses in other words if children come what do we have net over etc pp

Oh, don't those who want to build or buy usually do that anyway?

No, they don't. Only the income side is roughly estimated, which would result in a 50% change for a half-time position. Very few think about what happens if 1 year of parental leave is not enough (no childcare) or what additional costs may arise from childcare. Not everyone is lucky enough to have free childcare.