Home financing with net 4300

Without a child, we want to save about 500-600 euros per month. I think it’s even possible to save more. At least I hope so

The horse costs about 300 euros per month with everything included. However, my girlfriend is so attached to it that it will never be neglected...
Without the horse, I’d actually worry less.

Are the 500-600€ currently your joint savings or is the plan to still be able to save that much with a house and child?

Despite the horse, I would argue that as a couple you could already save well over 500€ now if you wanted to.

Is the financing calculated as full repayment or will there still be debts left at the end? In general, in my opinion, your income and the desired loan amount are in a feasible ratio... With a house, you always have to "restrict" yourself somewhat, even if it's only the awareness that at the end of the month there isn’t much left or that you can no longer simply afford the Maldives vacation without thinking it over and doing the math. We also had the construction loan and the child at the same time; I know the feeling when you suddenly start worrying about money.
If you are worried, in your situation I might suggest getting an offer for a loan with a longer term... For us, the interest rate difference wasn’t that big (0.2% between 20 and 30 years fixed interest rate), but the longer term significantly lowers the amount to be paid. In the end, that was preferable to me, as there is also the possibility of special repayments...

I don't see any problem at all.... sounds super solid! Equity ratio, income, price of the property: everything just matches.

And by the way: give your partner credit for not wanting to give up the horse. You get a pet (no matter which) and you don't give it up as soon as the first problems arise.... whether it's a cat that's not allowed in the new apartment or a horse that costs a lot of money.... great character trait of your girlfriend...

You will manage it really well, and even with the horse, ways can be found if necessary.... My sister occasionally had her horse taken care of at the riding stable or had a shared rider due to financial and time reasons.....

At first, the time for the horse will just be missing for a while.

But only for a short time. Horses + children are a great combination. Our little one has also been sitting on it for a while now.

The horse costs about 300 euros a month with everything included.

Although 300 does not include any reserves for bigger things at the vet and the like, right? How old is the horse?

At least a shared riding arrangement is a way to reduce costs but also keep the horse from getting bored (in the beginning).

268k at 1.89% for 20 years
50k KfW at 1.55%

Is that a fully amortizing loan? Or is there a remaining debt?

I actually also think that we can manage this without major problems. But you just can’t help but have your thoughts.

Remaining debt after 20 years 70k. With a planned special repayment of 2k per year, the loan is paid off after 20 years

See, it's working! Sounds good and solid, we've read completely different cases here... so don't worry....

P.S. Especially the thing with the [Familienzulagen], that the salary practically stays the same, who already has that?