House financially feasible at about 5,000 net?

In almost all families, a second income must quickly be obtained again in order to be able to have a house. I find it totally normal and very positive that the roles are balanced. Even better, I think, is when women finally stop putting the child so much at the center that they bury their own lives :)

Regarding that: Do you also have additional salaries like UG, WG, bonuses?
Of course, the normal month should always cover itself, but it still reassures you if you can actually expect these special payments, even if they weren’t taken into account in the debt service.

My boyfriend is currently receiving Christmas and vacation bonuses, but only a few hundred euros each; after changing jobs, it should be at least a 13th salary.
I receive a bonus, max. a 13th salary, but rather less.
Altogether maybe another 2,000 net/year.

What I haven’t mentioned at all so far is a possible gift from his parents in the mid five-figure range, which we would of course gladly accept, but we don’t factor it in. Also, we will both inherit a house (mine has already been transferred), but since the parents or even grandparents still live there, I have left all that out.

Planning to have children in 4+ years, there should be two, and the house should be built beforehand, please.
Children don't come by DHL. Sometimes they arrive unplanned, often they take their time, and not infrequently they don't come at all.

You are right about that, but even if they don't come, you can, for example, adopt. Besides, 90m2 and a rental apartment would be too small for the two of us. We would need property anyway, and even then not a condominium but a house. In that respect, I would say that with a house, two people might save about 10-15m2. (We could also make use of 140m2 as two people). Otherwise, essentially nothing would change.

You are right about that, but even if they don't come, you can for example also adopt. Besides, 90m2 and a rental apartment would be too small for the two of us. We would need to have property anyway, and even then not a condo, but a house. In that respect, I would say that with a house for two people I might save about 10-15m2. (We could also make use of 140m2 for two). Otherwise, essentially nothing would change.

I see it the same way... Not everything can be planned – but there are possibilities.

Also, you might only build your dream house once, as you imagine it with children... You don't just quickly buy a car (oh, it doesn't fit, I'll just buy a bigger one in 4 years). I would also prepare a future plan and then build appropriately for a family of four.

In other forums people shake their heads about home ownership. And especially about people who take on 800k in debt that they will still be paying off in 50 years ;) Also in finance forums it is acknowledged that you should pay off your loan in a reasonable time. Except for a few extreme cases who take out another loan on their paid-off house and then go to the stock market.

No, no, that's completely normal. It's all out there on the internet. The bigger the leverage the better, that brings security. Especially for the young family. And even if there was a small risk - personal bankruptcy now only takes 3 years.. ;)

It's much more about not having done my training, etc. in vain. Before I stay at home for 3 years, a lot would have to happen.
And as has already been said, we don't live in 1950, as can be seen by the fact that I am the main earner.
(By the way, I don't know it any other way; for me, no one stayed at home for 3 years.)

I would still be more conservative in my calculations and not assume that one goes back to full-time work after 7/8 months. Sure, the father can take parental leave and/or work part-time if the mother earns more. But when the child is here, the priorities suddenly change completely.

I am a lawyer and have always worked gladly and a lot. Now with 3 small children, it is not an option for us that both parents work full-time. Then you hardly see the children during the week. And on the weekends you have to do everything (shopping, housework, etc.) that you didn't manage during the week. It is also very stressful because you have no time for yourself and your partner. You can forget about sports and hobbies.

You also have to find a daycare center that offers suitable care. In big cities, that is possible. I work in Munich but live outside of it. Many daycares here close as early as 4 p.m. And most children are picked up much earlier. Believe me, then you don't want the child to always be picked up last, no matter how long you have studied.