Financing offers for a new building

then moving in is surely soon! ;)

Question: You have 30k equity, put 20k of it into incidental building costs. Where do the 30k€ come from that are currently missing in the calculation?

January 2021... Time flies and you don't even know what year it is. But of course, I would like to move in soon :D

Correctly recognized. The difference comes from the family.

I have a quick question about insurances:

[*]Disability insurance - 30

How much net income do you have secured with it?? Normally, one says you should insure about 60/70% of your current net income with a disability insurance. With 30€ from you, that either seems like a very low premium (correspondingly little coverage?) or you have found a great insurer. Regarding the financings: Personally, that would be too many "components" for me. We divided it into 2 components (KfW and bank loan). That "could" cause difficulties with the priorities on the property/house, for example when switching/restructuring after e.g. 10.5 years? Or how do the experts see that?

On the topic of disability insurance: A very, very controversial topic in my opinion. Statistically, every second person becomes disabled at some point in life. I know numerous cases in the private sector and at the time I also researched this area regarding court rulings etc. Under certain circumstances, you really pay into this insurance for years and when the case actually occurs, you don’t even get remotely what you expected from it. It’s an insurance you should think very, very carefully about. Of course, it always depends on the professional situation etc. Is your partner a civil servant? Then I would cancel the insurance immediately – at least never increase it beyond 30€. But yes, as I said, it’s a very controversial topic. I still consider the insurance "important," but more for personal peace of mind. The chance that you actually get the corresponding money or something like that is less than 50%.

Oh yes, one more tip: also calculate the financing again with an Excel spreadsheet for 5 years from now if you want to have a child.
A child will significantly reduce the income, and that for more than a year.
Reduce your wife’s income to €1800, increase housing expenses to your payment of €1700 (or wherever you end up), set aside money monthly for maintenance/upkeep, also consider a general savings amount that has nothing to do with the house (a washing machine will also need to be replaced sometime), calculate insurances that will increase or newly arise (building insurance, household contents possibly higher).
And then see if there is still anything left to live on at the end of the month. To my gut feeling that looks tight.

Exactly right! You definitely have to do that – you will see that there is significantly less repayment potential in this phase (e.g., when your wife becomes a mother). However, I actually see 0.0 problems with the rate of €1,700 at your income. The question is also: can you change the repayment rate on the loans? That way, for example, while your wife is at home, you could adjust the rate to 1% and thus certainly get significantly below €1,700 – so you would have the security that even in difficult times the rate can easily be managed with one salary.