Good offer for a young family? Buy yes or no

I don't find the bathroom a problem at all. You should take another look at your cost estimates regarding craftsmanship services... they are unrealistic. What hasn't been mentioned yet is your offer from the bank. Given the current situation, I would never have agreed to only 10 years. Maybe a maximum of 30% of the total amount. Who knows where things will end up. With 20 years, you can still sleep peacefully in 10 years. Either you simply refinance for the remaining term because the interest rate is still low, or you have to live more frugally for the last 10 years and make special repayments as much as possible. Go for it :)

Victim in the sense of sacrifice. Yes, of course, my wife definitely has to go to work then. With our first child, we took 2 years time. She still received good money through parental allowance. Then our daughter came and she receives the minimum amount. We have already said that after one year of parental leave she has to go back to work. But it is still important to us that we don't have latchkey kids. Full-time is out of the question, but 30-50% would be possible.

I think I wrote it somewhere at the beginning. Monthly, €1300 would be spent. But over a term until retirement. So we're talking about roughly 35 years. The interest rate would be 1.24% over 10 years. We have also factored in very high costs. I think in the end it will be less. The government subsidies are not included. They are basically saved up to have something in case anything comes up.

But it is still important to us that we don't have latchkey kids. Full-time is out of the question, but about 30-50% would be possible.

With two night shifts, she already gets out more than 50%... I know many who split it up: in the morning the day shift worker takes the kids, early afternoon the night shift worker picks them up from care. And on weekends the grandparents get to do it :)

I wouldn’t call it renunciation. Giving up for 20 years definitely won’t work. It will simply be a life within the limits of what’s possible, that's what we all have. You are young, you can really push hard for a while, even alongside work. That way you can afford more.

...And on the weekend, the grandparents get to do it for a change :)

And I don’t know anyone who doesn’t enjoy doing that! ;)