House purchase or new construction - What is financially feasible?

One can objectively say that these vacations with children are only for the parents' ego. Small children have different demands for vacations and do not need the mentioned options.

I wouldn't declare it as a vacation at all, but rather as a life philosophy. Of course, children don't benefit from natural wonders, yet it somewhat reads like "out of the comfort zone, whether with or without children," and that can only be viewed positively. It may be that the original poster now plans vacations differently with children, but I don't see only one week all-inclusive in Mallorca – even if the kids would enjoy it. Alternative lifestyles, even if they aren't really that alternative (condo in the city), are often ridiculed or viewed negatively. Everyone should do as they please and can – and if you offer the children Disneyland because you want to go there yourself. Or you don’t offer it to them because South Africa hasn’t been traveled to yet. Added value is always there. What was not mentioned:

Da ich ein detailliertes Haushaltsbuch führe

Although not detailed for us, there are definitely real costs involved that are not mentioned at all in some tightly calculated budgets. A like from me for that. Owning property with a garden, just because you want to offer children the fauna and flora now, I don't see as a must.

I wouldn’t declare it as a vacation at all, but rather as a life philosophy.

Of course, it is a life philosophy. You can continue to live it the same way with children – but the children don't care about that, they at most complain because there is no sand mold on the beach and no playmates on vacation. You have to be clear that it requires a certain amount of selfishness to carry through this life philosophy.

Thank you very much for your answers. I will try to address some points.

In Germany, vacations are also possible where you can do something for education. I once went to Weimar with my family. Bauhaus, Goethe, Schiller and such.
And if you say you would like a garden so the kids can learn some crafts, why then plan 100k for the garden landscaping?

By culture, I do not mean Goethe and Schiller, but other countries, cultures, skin colors, people. This does not include an 800€/week all-inclusive trip, but individual planning. That is our hobby and passion.

The written 100k€ includes kitchen and outdoor facilities. Paving stones, fence, plants, lawn stones, and so on also cost a lot of money, even with DIY work.

If I were you, I would also rather keep the apartment if private consumption is that important to you. The children do not get cheaper, and the city offers more easily accessible activities also for teenagers. My wife is currently the chauffeur for the boys and heavily annoyed to have to play taxi every day.

Exactly that is the reason why we want to stay in the city and what we love about the city: short distances, many possibilities

Although one can objectively say that these vacations with children are only for the ego of the parents. Small children have different demands on vacation and do not need the mentioned variants.

I see this completely differently. In my childhood/youth I was allowed to go on vacation 2-4 weeks every year, my wife only once. Even if I do not remember many vacations in detail anymore, it still shaped me that vacations were highlights. We did great things and enjoyed the time. I was able to get to know the world early. My wife was denied this.
And of course, since the children have been here, we have changed our vacation style: trips to Italy, France, Denmark, USA, Austria/Switzerland. Sometimes with the camper, sometimes Airbnb. That is a blessing for parents and children!

But now back to the topic house.

I have everything except time, and therefore we have so far discarded the allotment garden. If the garden is not right outside the door and you can do a few chores in the household while the children play in the garden or vice versa, if the children are taking a nap you can still do something in the garden, it already turns into extreme time management. Hence the desire for the house with garden because we are absolute outdoor people and often only have one hour left a day.

In the end, we probably have to decide what is more important to us. Financial freedom madness in our (great) apartment, debt-free in our mid/end 40s, everything reachable by bike in 5-20 minutes (doctors, children’s activities, schools, bathing lakes, work) or the house on the city outskirts/village with the mentioned restrictions, higher costs but lots of space for individual development.

You would also have to take care of the house. Since you have no time anyway and the consumption is so high, I also think that the current situation (apartment) is the better one for you.

We did great things and enjoyed the time.

Yes – I know that myself and I also go on vacation every year for 4-6 weeks with my three children. Camping is still the favorite (by the sea). But you can also get to know the country and people in Albania, Sicily, or Lanzarote. For that, a 3-week backpacking tour through the jungle is not necessary (and that does not shape children either).

In the end, we probably have to decide what is more important to us. Financial freedom from debt in our (great) apartment, debt-free by mid/late 40s, everything reachable by bike within 5-20 minutes (doctors, children’s activities, schools, lake beaches, work) or the house on the outskirts of town/village with the mentioned limitations, higher costs but lots of space for individual development.

And no one can take that decision from you, the decision is that individual. I would always decide based on where I can do the most with my family (both after work and during vacations). A great house and ONLY having to vacation in the garden is not the solution.