Financing with children, subsidies, parental leave, probation period

Ultimately, it is always the bank that decides, and not all banks decide the same way. Back then, we received rejections from most banks (but our figures were quite different at that time) and only one bank approved; today we have much more income and are managing, so in the end, it was the right decision. In the end, you have to inquire and be really specific. What you can imagine for yourselves is one side, and that is just as important as the bank's side, because you can't do it without a bank. I think it looks quite good, especially since your wife will be working again and there is still room for upward adjustment, so if working 50% isn't enough, there are still 50% left to increase. Provided you manage the childcare. It won't be easy, that's clear. Whether you want that is something you have to answer for yourselves.

With the amounts given, I don't see a financing problem with 2 children. You are still young, so you can easily stretch the financing far into the future. The second child is already there, so you can also pause for 24 months. That doesn't really matter now. Don't use all your equity, then you can run a small deficit for 2 years as long as the bank allows the payment. Why not? What matters more is that the wife goes back to work with sufficient hours to be able to comfortably handle the loan long-term. Being a nurse is not the worst job. The salaries there are solid and above all secure. I don't see any risks (at most, some provincial clinic might close and then you have to commute further). Therefore, the more important factor is how secure the husband's job is.

With 3 children, it looks a bit different because the low-income initial phase is noticeably longer and, of course, the costs explode afterwards. But even here: waiting doesn't help, in the past only construction costs would have gone up, and with the currently rather high stock prices, significant increases in wealth are not guaranteed, and with fixed deposits it will be difficult just to offset the costs of construction price increases. Not to forget that with 2 children and only one income, you cannot save huge amounts. That's why now (or better after the probation period) or never. You can always decide about the third child when you live in a fully furnished house (that will take a while, believe me, especially with 2 children) and have a better view of your performance (physically and financially).

Subsidized loans are the jackpot anyway in the case of an expected permanently increased inflation (i.e. >2%).