How high will the early repayment penalty be?

If you now ignored the separation and sat down at a table like two businesspeople, a sale would not be an option. Your wife probably won’t get an apartment for herself and the kids that cheap ? So at least two kids = 4-room apartment With your interest rate about 340 monthly and repayment that you might be able to reduce if it gets too much. A divorce doesn’t necessarily have to happen immediately if it gets tighter financially because of the tax class. Think about it calmly.

As already described, we are also in the same situation... I also told my ex that the rate we are paying now is lower than a 4-room apartment (with 2 children). That’s why selling the house is not an option for me either and I just hope she feels the same way... Just want her to live there peacefully with the kids. Sure, a house with a garden requires a lot of work, but I’m also trying to help out a bit. So far it’s been going well for a year and financially it’s all manageable.

unfortunately we have the same case...

As already described, we are also in the same situation...

Sorry, but you are in a completely different situation! Just take a look at the numbers.