Financing construction projects and cost calculation - What you need to consider

500€ additional costs for the house is fine. I also miss insurance and all that stuff. The car is realistically calculated. Top.

since my wife will go part-time due to a planned child and I don't want to include my variable salary component.

Variable salary component? Just calculate with what the bank calculates – without variable. Nevertheless, it is of course great to start with so much equity.

I have also already thought about life insurance - especially if something should happen to me as the main earner. In the end, however, we decided that we want to take the risk.

Banks often only grant a loan in combination with risk insurance...