Financing plan single-family house 150sqm

Now, of course, you can’t look into a crystal ball and predict where interest rates will be in 17 years, but I still expect low to moderate interest rates in the long term. How do you see it? I am strongly leaning towards plan no. 2.

I would clearly go with option 2 as well!

Just for your info: the financing is now complete. Actually, this could be closed here. For me, the topic was already settled.

Yes, that's right, I deleted that again. The house is already there.
The expenses without [PKV], rent are already 2500€. The total income is 5000€. Currently.

So if that were the case, I would have long since applied the cost brake. With that income, I see clearly too little equity.
The house also costs operating expenses, electricity, heating, water, property tax, etc. So another 500€ come together.
1500 installment for the house. Living expenses 2500€, trending upwards, it's tight.

Well, he currently has to pay for electricity, heating, and water anyway, right? The costs will definitely be higher, but it’s a mystery to me how you can talk about 500€ additional costs here?

You can always save, I agree with you on that! However, I don’t really find the costs with one child and daycare fees etc. to be extremely high, rather the opposite, it’s quite reasonably calculated.

And whether the monthly installment is stretched tight with that salary and those costs, I really doubt it, that would be very, very conservatively calculated... I find the financing quite "normal".

Yes, that's right, I deleted that again. The house is already standing.
The expenses without PKV, rent are already 2500€. The total income is 5000€. Currently.

So if that were the case, I would have long imposed a cost brake. With that income, I see significantly too little equity.
The house also costs operating expenses, electricity, heating, water, property tax, etc. So 500€ add up again.
1500 mortgage payment. Living expenses 2500€, tendency rising, that’s really tight.

Income:
5,420€

Expenses:
Financing 1,450€
Additional house costs 450€
Daycare 300€
Fuel 225€
Insurances 210€
Entertainment (Netflix, Spotify, cell phones) 75€
Retirement provision 250€
Union 45€
Food, drugstore, cats 700€
Clothing 100€
Car savings rate 250€

TOTAL 4,055€

Balance: 1,365€

Other families would be glad to have that much available per month at all.
Yes, it’s not a huge buffer, but in my eyes more than sufficient. And why there can be almost no equity, I have described in detail.

So I don’t see where it is really tight.

1500 installment for the house. Living expenses €2500, tendency rising, living paycheck to paycheck.

There is no paycheck to paycheck, income rises, installment stays, the first years thrifty and all is well. A rent for a comparable apartment would be just as high, and it will surely rise.