Financing plan too unrealistic?

To get back to the OP. It’s really crazy that a 'young' family with 100k+ gross income these days struggles to put up a 133m2 house with a pitched roof. This isn’t really a big luxury when you end up with ancillary costs, maintenance, and so on around 2300-2400€/month for the next 20 years. And that’s for a modest little home. If it’s your immense dream, I’d go for it! But you will have to make significant sacrifices. Budget for the garden & driveway should be planned from the start, otherwise the project will turn into a permanent construction site – which is unfortunately not very satisfying. Otherwise: don’t underestimate the additional building costs and have a reserve for upgrades, etc. Allocate a 15% buffer, better 20%.

So my parents spent the child benefit on their children and that’s how I do it too … saving it to then pay out a lump sum at 18 is a modern habit

I prefer to pay off the loan faster and then support the child without a monthly house installment when they need the money. I prefer that to having six-figure sums in the children's account [Kinderdepot], where I can no longer control what the money is used for. He can then gladly buy the desired Porsche from his own earned money. ;)

I prefer to pay off the loan faster and then support the child without a monthly house payment when they need the money. That is preferable to me than having six-figure sums in the child's account where I can no longer control how the money is used. He can then gladly buy the desired Porsche with his own earned money. ;)

Good approach for times of high construction loan interest rates, but since we will have paid off quickly anyway and have low interest rates, the prospect that the yield of the account is higher than the interest during the repayment period is probably more economical.

Good approach for times of high construction interest rates, but since we will have paid off quickly anyway and have low interest rates, the prospect that the return on the portfolio is higher than the interest during the repayment period is probably more economically sensible.

What are you investing in right now with a declining global economy? Just curious.

So my parents spent the child benefits on their children and that's what I do too... saving it up to pay out a lump sum when they turn 18 is a modern habit

Whether you believe it or not, we pay a significantly higher amount monthly than the child benefits for things the child needs. I can also say that I set aside an additional €200 monthly for the child because we want to. Calling this child benefits is actually purely symbolic. Anyway, it is pointless to argue about it. Some want to financially cushion their children a bit more, and others just don’t want or can’t. I don’t think we’ll come to a common denominator on that. Maybe it’s also simply because of personal fate that our child narrowly escaped death or a severe disability multiple times shortly after birth, that we are especially committed to making the rest of the child's life easier. Could be...