Home construction financing - House price and ancillary construction costs

At the earliest, a child will come in 5 years. In the first year, there is parental allowance. For the second year, provisions must be made, if in doubt by reducing the repayment for that one year to 1%, which of course must then be compensated by a slightly higher repayment in the following period.

No one here wants to attack you with the critical voices. They are only meant to make you think and consider all eventualities.

Based on your last post, however, you should consider that a reduction of the repayment rate (if it is possible on the bank's side - so ask) to 1% might amount to about 200 €, not more than that, and accordingly other precautions would of course have to be made.

I do not feel attacked either and am grateful for every critical voice that tells me what I could be doing wrong. In the planning with the child in 5 years, we are currently calculating my then increased net table salary by 260€ and the shift of the tax return class from I to III. I do not want to deny that the year will not be the easiest, but at the moment I also do not believe that it is impossible.

I also don't believe it is impossible, you should just really save a good "buffer" beforehand, as you so nicely wrote. Overall, you have good conditions, even if the equity could certainly be a bit higher.

Just a tip: Be careful when choosing your tax declaration classes after marriage, before and after parental allowance - so that you don't end up having to pay large amounts afterwards. Especially since you are otherwise candidates for IV/IV with both working full-time.

Starting at 34 with children... of course, you can do that. If it doesn't work immediately, by 35 you are practically already in a high-risk pregnancy. It can of course go well, but the risk of something going wrong is significantly increased. Naturally, the risk at 40 is even higher.

I just want to point out that family planning perhaps should not be forgotten and should receive a much higher priority at that age. It is really only meant well.

Only after that, of course, do the financial aspects for the house come into play.

I am also truly grateful to you for your comments. We will discuss the whole matter again thoroughly and calculate how we want to handle the issue.