House purchase / financing possibly feasible?

Smoking itself is (however a very costly) private amusement. Two to three packs a day is more than heavy. However, when there is a small child in the family who is so massively burdened, I find no words...

Regardless of the OP, I also find it "strange/irresponsible" when I take my daughter to school in the morning and on the way meet parents who are holding the child in one hand and the cigarette in the other. In that case, I resort to stereotyping and think to myself: "How antisocial." I don't need to comment further on parents who smoke in the car while the child is sitting in the back.

Smoking itself is (however a very costly) private enjoyment. Two to three packs a day is more than extreme. But when there is a small child in the family who is so massively burdened, I have no words left...

Yes, those bad smokers again... the two of us smoke that away and only outdoors and not in the apartment. We do pay attention to that. But the whole cigarette story is actually drifting off the topic right now!

yeah, the evil smokers again... we smoke it up together and only outdoors, not in the apartment. we are careful about that. but the whole cigarette story is actually drifting off the topic!

Let's do the math: 450 /6 € per pack (hope that's correct, I don't know the prices) / 30 days in a month = 2.5 packs per day. But you go outside very often to consume 2.5 packs a day.

It's a topic to the extent that without smoking it would be easier for you to manage the financing.

but the whole cigarette story is actually drifting off topic!

Not necessarily. What the bank sets for flat rates is one thing, and you should easily get the 300k€ there. Your personal lifestyle is different, and "special expenses" like the hobby of smoking must indeed be on the list. I have somewhat less income than you, am alone with two kids, loan is of a similar size as yours. I don't smoke, but I have another expensive hobby. And it fits, and the vacation is still possible – though not three weeks in the Maldives... The climate is happy.

yes, 450 cigarettes is hefty, I know. Kita costs us nothing,

Somehow a weird-sounding situation-

I think it's great that our cigarette consumption keeps you in such a good mood. Thanks to the rest for the great answers/advice.