Financing single-family home - land available

Calculate with a healthy annuity of 5% - that makes 2,400 euros per month for a 575k loan.

Would there be parental allowance or an equivalent while one parent is at home with the baby? You don’t live in Germany yet? Do you also work abroad?
When you move into the house, will there be German child benefit [Kindergeld] (which would be less)?

Otherwise, as crazy as the loan amount sounds, you can realistically pay it with your income. It will only get a bit tight possibly during the baby break. It depends on what kind of "wage replacement benefit" is available and how long the break is supposed to last.

Hello, you will get financing. However, it will always be tight with 3 children, vacation, new purchases. The house is expensive for the overall situation, I also don’t really see saving anymore.

When I look around in my circle of acquaintances, women with more than two children work less than 50% if the primary school does not offer after-school care and the secondary school is not full-time. After-school care costs are usually significantly higher than daycare and kindergarten - is that included in the school fees mentioned above?
In addition, children's hobbies usually cost a lot as well.
For me, it would be way too tight with a third child. Even with two children already.

I always find it difficult to calculate with 2 full-time salaries when (additional) children are planned. To be on the safe side, I would definitely calculate with a maximum of 1.5 salaries. You never know what surprises life may hold. If you can still easily manage the installment + ancillary costs with at least 3% repayment --> go for it. I wouldn’t factor in special repayments in advance anyway; very few have that much discipline.

I think there is very healthy equity and two good incomes here, although both do not work 100%, compared to an acceptable loan amount. Large sums are initially intimidating, but I can say that it doesn’t bother you for long. It turns into a monthly installment like rent, and absolute high amounts disappear quickly. A 20-year fixed interest rate is a good idea; currently, you get about 1.2% p.a. With a €2000 installment, the remaining debt is €188K, which puts you in your mid-50s. I find that absolutely reasonable and see no reason to consider a higher installment than necessary.