Financing purchase of existing house BW, 800-850k€

Overall, I agree with the issue regarding children. On the other hand, the two are still very young and have good jobs. When we started over a year ago, many thought our 5000 net for 470k was borderline because we didn’t have children yet. By now, we have 6000 net and can save a lot extra until children come in 2-3 years. Then there might be a few tighter years, but in 10 years you can work more again, and inflation alone has probably already turned the 6000€ into 7000€. So overall, I do think it would work for you too. Of course, nothing big must go wrong then. And you have to mentally cope with the mountain of debt.

but in 10 years you can work more again and inflation alone has probably already turned the 6000€ into 7000€

You always sound like "Grandma telling stories about the war," but what I have experienced most often in my environment is: when there are children and you belong to the middle class, women no longer work full-time. Because logistically it often doesn’t work. And the man often earns more. The only ones I personally know who work full-time with children either have grandparents nearby or have daycare centers that also care for children for 10 hours. The costs for children are also underestimated by people without children, especially the costs for schoolchildren. And re-entering a qualified position after x years of childcare practically only works in the field of teaching. Even female administrative officers are still gladly sidelined today when they have dared to have children. Therefore, the mantra, you are young and have good jobs,... should be taken with caution.

I find it somewhat odd that the BORIS is used here as the plot value. We have often experienced that it does not nearly reflect the market price. At 200 €/sqm, I would assume at least 400 €/sqm. Here, the factor is 4. Or you look at the sales offers for plots in the municipality. If there are none, I would even assume a much higher price per sqm. Thus, the price per sqm for houses would correspondingly decrease.

I can fully agree with this, also as not exactly a young but relatively new mom. Many things are imagined much simpler (and cheaper) beforehand than they actually are.

I fully agree AND would like to add that priorities can also shift, and one might not even WANT to work 80 hours as a couple anymore. I imagine it’s unpleasant if you’re then forced to do so because of the mortgage payment. We do the “Saralina” model: both reduced to 30 hours, the payment can still be managed with one salary if necessary, all surplus is invested or goes into special repayments.