House construction financing possible in the coming years - experiences?

I often suspect that children are simply used as an excuse here for why someone couldn't make a career. But that is just my opinion...

No, often it is the childcare places that dictate this. For example, in our area, there is a maximum of 40 hours of care for children under 3 and a maximum of 43.5 hours for children over 3, and these are not flexible hours later in the day, but only until 3 p.m. or 4 p.m. And that is already a lot around here! With commuting times, full-time work is only possible if you can work in shifts or have family support. A concrete example from us: my husband worked 30 hours, but in very different and hardly plannable shifts, which meant that almost always I had to take the children to and from daycare. I worked 32 hours and even with that I was constantly inevitably in the negative and was glad that my mother sometimes picked up the children so that I could compensate my negative hours on those days. If I ever had 5 hours extra, that was a lot and was usually due to longer fieldwork or business trips. Working full-time would have been absolutely impossible in this situation. At most, for my husband, but then he would have hardly seen his children anymore. Now, luckily, he has another job, but both working full-time still doesn’t work.

We have also been playing Tetris for the last 2 years when dropping off and picking up.

I work in fully continuous shifts, mostly early, late, night 7 days then 2 days off and start again.

My wife normally has time from 8 o'clock to 4:30 p.m.
In addition, 3-6 days with 24-hour shifts.
(after one shift there is one day off)

We both work full time.
On my days off, my wife can, for example, do a 24-hour shift or change from early to late shift, etc.

It all works, but pleasant is something else.

From 2025 I will see where I end up (unemployed)

I financed my house construction alone. I will pay the 655 euro installment alone for the next 15 years and that's fine. But I don't want to impose that on my partner. She can use her income for whatever she wants. Sure, I had to put in massive personal effort on my construction site for 3 years, but now everything is settled no matter what happens.

Unfortunately, there are plenty of cases where no one really thought that a situation with separate accounts and children can suddenly lead to absurd and not at all partnership-like situations (...)

Then one should seriously ask oneself why one is even living in a partnership or marriage. I also wonder where the solution is supposed to be in a joint account? Then there's just a smack at home if the wife buys a new jacket without asking? That is the reality in such cases.