Good offer for a young family? Buy yes or no

I think I wrote it somewhere at the beginning. 1300 € would go away monthly. But over a term until retirement. So we are talking about about 35 years. The interest rate would be 1.24% for 10 years. We have also calculated very high costs on top. I think in the end it will be less. The government subsidies are not included. They are basically so that we save them away to have something if something should come up.

Yes, they calculate that for you over 35 years. But in 10 years there will be the nasty surprise if the interest rate should no longer be 1.24%. Maybe someone here will explain that to you. I’m typing on my phone and that is really exhausting :D otherwise tomorrow

Yes, they calculate it for you over 35 years. But in 10 years, there will be a nasty surprise if the interest rate is no longer 1.24%. Maybe someone here can explain that to you. I'm typing on my phone and that's really exhausting :D otherwise tomorrow

I know, I know. That's the risk with this thing. That's why I would also try to make some special repayments, so the total amount isn't too huge. And who knows, maybe the interest rates will really continue to go down. Or I accept a higher monthly payment and do it over 15 years ^^ About working and shifts. Yes, that's how we would do it too with night shifts and yes, the grandparents, our parents, are always really happy. I also have a sister nearby. So I don't see that as a problem ^^

And as I said, I managed to save 10,000 € in just over a year... - that could have just as well gone into the house. Which it ultimately does now anyway ^^

About the bathroom: The wall tiles above the pedestal I would turn into built-in cabinets in shabby style: build stable doors yourself, then stain and paint them and wipe them to look old, then cover the wall with them. Narrow wooden board on the pedestal, old armchair in front, throw in towels, anchor here, shell glass there... Sink on wooden board, get rid of the Alibert mirror, put in an Ikea mirror...

Yes, we definitely need to fix up the bathroom to make the best out of it ^^ When the time comes, I will read your post again and see what would be possible

With two night shifts she already has more than 50% covered... I know many who split it this way: the day shift worker takes the kids out in the morning, early afternoon the night shift worker picks them up from daycare. And on weekends, the grandparents get a turn :)

Just look at this example alone, there are surely others as well.
You have little equity but the situation with your parents and sister is something super important that many don’t have. Your wife has a secure job and can therefore work more when things get tight or if you want to afford more. Or you shorten the loan term through special repayments, etc. In my circle, the women happily went back to work, often also shift work.
If you discuss it with your parents like this, they will surely cooperate and help you much more, plus it’s great for the kids to experience grandparents.
And just like that you regain financial security.
We built many years ago, and it was exactly the same. I worked shifts or was around during the day, my wife worked various shifts and the kids liked being with the grandparents. The parents help you with that and you help them when they need it. Unfortunately, that is disappearing nowadays but that’s how we built. Without that, nothing would’ve worked. That fits together, you just mustn’t get silly notions in your head, like 40-hour work weeks or similar stuff. Live a normal life and then it works without real sacrifice.

Nice house, obviously no renovation backlog. Put aside photovoltaic income for repairs or so... all good.

Regarding work and shifts. Yes, we would also do it with night shifts and yes, the grandparents, so our parents, are always really happy. I also have a sister nearby. So I don’t see a problem ^^

I’m telling you, you’re lucky!

Regarding the bathroom:
I would do the wall tiles above the platform as built-in cabinets in shabby style: build stable doors yourself, then stain and paint them and wipe them to look old, then cover the wall with it. Narrow wooden board on the platform, old chair in front, throw in towels, anchor here, seashell glass there... sink on wooden board, get rid of the mirrored cabinet, put an Ikea mirror in...

Something like that and your place is done; this bathroom is a one-of-a-kind, your self-designed bathroom.

Yes, we definitely have to fix up the bathroom like that to make the best of it ^^
When the time comes, I’ll read your post again and see what would be possible

Believe me, most people would gladly trade this problem. There are countless possibilities, especially for little money and nice results. And... it’s not necessarily urgent. You can but don’t have to do it right away.