House found - financing possible?

Your €1500 loan is misleading in the table. It reads as if you still have to pay off a loan right now. Well, that doesn't have to be the case, right? You can lease a very good car for €300/350. You can sometimes get a small car with an electric badge seasonally for a hundred. Is there currently an online ID where you can get an impression regarding the equipment?

I find all that very solid and definitely feasible. It was very similar for us, and we are also very safety-oriented. After the elimination of daycare costs (from age 3 it's free in Lower Saxony, so only the meal money remains), there is even more left for you. Sure, children cost increasingly more, but your wife might be able to work more again in a few years? Or is another child planned? Then I would plan that through. During my parental leave, which I then had to extend beyond parental allowance because there was no daycare place available (legal entitlement or not), we had significantly less money, but that was foreseeable and therefore manageable. Normally, I would also say, at least switch her to an inexpensive small used car that is paid for in cash. But you don't necessarily have that money right now, and since our cash-paid used car just came back from the workshop, I actually find leasing modern vehicles not so bad at the moment... For the area up there (I roughly come from that direction), I find the price okay. You are probably too close to Oldenburg to find something (even) cheaper. I would do it if the house is the right one for you.

I will change my mind at the end of the year, you scoundrels!

My wife and I are in a similar (financial) situation and will also do the 1,500.
We will take a loan with adjustable repayment rates so that we can also reduce them if it gets tighter.