House or car special repayment at the end of the year

First of all, pay off the highest costs --> house.
The disadvantage is that your liquidity does not improve due to the annuity.

Do you necessarily need cash available in the short term in 4 years? If yes, for what?

Only for a child and all costs that arise for this child. Therefore the consideration. In addition to the costs for the house, car and savings, it CAN already get tight with one child.

Liquidity is always good, especially when it comes to children. A half-paid house is of little use when all the purchases have to be made.

What costs are supposed to arise there? I mean, despite the consumer loan, you have plenty of money left for the special repayment.

What costs are supposed to arise there?

Stroller = €1,000 quickly spent Baby room = €5,000 just as quickly gone Child seat, high chair, clothes, toys, etc. are also not cheap Childcare if desired = several hundred € per month

If liquidity is needed then the car. 1% interest difference on €14,500 amounts to €145. In turn, the installment for the car "trains" you not to consume.

Is the liquidity available only once or does it remain every year?

If the surplus should be that high every year, then definitely the house. For the birth, you can reduce or suspend the special repayment for one year if necessary. Otherwise, with the elimination of the car payment, there is also the risk that you will have more cash left over than you can repay specially. That would then bring further interest disadvantages.

With future salary increases (at least at the rate of inflation), the installment takes up an ever smaller proportion of the income, making it easier to afford the installment. Thus, the income situation can look completely different in 4 years.

If I remember correctly, there was a topic here a long time ago about offspring. Almost everyone agreed back then that they spent way too much money on the first child. For the stroller, you don't need 1000€ if only one child is planned. Many things that seem absolutely necessary beforehand turn out to be money traps afterward. Not everything has to be new. Better to buy only when you really need it, instead of getting all the stuff upfront.