Home financing young family / double block wooden house

The child is one year old, that is usually when the parental allowance expires, if it was not split over 2 years.

That would have to be clarified!

Parental allowance is not included. However, the woman will go back to work part-time when the house construction is imminent. The income will then be approximately 1500 net.

Whether one wants to take on a 400k financing with an income of about 4000 net afterwards? I don’t know

I actually don’t find it problematic at that age.
It’s similar for us, with the difference that we are both civil servants. Our first child is just about to arrive.
Of course, you’ll have to tighten the belt a bit until the second child is old enough for the wife to go back to part-time work – but after that, depending on the interest rate conditions, it shouldn’t be a problem.

We are generally very frugal, have always very rarely made expensive purchases, and are very satisfied with that.