Financing plan too unrealistic?

I wouldn’t go below 2%.

Hello, your numbers (income/expenses and loan amount) are basically identical to ours. The only difference is that we already have two children. I find the 1800€ at 3.15% and 20 years fixed interest rate good for current conditions. I had an appointment at Interhyp just today and we were far from such conditions there (our equity share is 55K). We would accept such an offer. Ok, my wife currently works only 50% as a teacher at the high school. The salary can be scaled relatively easily here (that already gives quite a bit of security). Which bank made you this offer? Regards

Hello,

your numbers (income/expenses and loan amount) are basically identical to ours. The only difference is that we already have two children. I find the 1800€ at 3.15% and 20 years fixed interest rate good for current conditions. I just had an appointment at Interhyp today and we were far from such conditions (our equity share is 55K).

We would accept such an offer. Ok, my wife currently works only 50% as a high school teacher. Salary-wise, this can be scaled relatively easily (that already provides some security).

Which bank made you this offer?

Best regards

That would be too tight for me. If you don’t have family locally who can occasionally take care of the children over the next 15 years, then I don’t see a full-time job for both. And with a permanent 1.5 incomes plus the additional costs of growing children, in my view, that’s financially reckless. This month alone, I paid over 600 euros for my two boys (kindergarten and elementary school). Photos at kindergarten, shoes, summer pants, sports club, swimming course, holiday camp booked, new lunchbox and water bottle (lost)… I‘m bleeding money.
I also remember when I had my first baby thinking, “oh, children are cheap, child benefit is more than enough.” We got almost everything as gifts or bought cheaply secondhand. But that only lasted the first 3 years; since then, children really cost money.