How much repayment is advisable for how much net income?

When there was even more money after parental leave, we were shocked at how our consumption behavior had gotten out of hand.

Without a house, we could live like grubs in fat :P

Above all, a house that costs 66% of the net income would reach such dimensions that you would need servants

Or you pay off a "normal" house in about 10 years.

Even "high earners" have fears of existence ( BU, job loss, wife leaves)

"Woman runs away" is not the same as "fear of existence"

But actually, I didn't want to get away from that, but this is turning into off-topic here anyway.

How about financing the house with a low salary, children, and currently missing the second income, and then advancing in the job afterwards. It can only get better from there.

"Woman runs away" does not equal "existential fear"

But actually I didn't want to get off that topic, but it’s going off-topic here anyway.

How about financing the house with a low salary, children, and just missing the second income, and then advancing in your job afterwards. That way it can only get better.

why does it not equal? That is the typical case, separation, divorce, the house is no longer maintained.

And bye

especially when you sacrifice yourself for the house (10 shifts etc.) something gets lost along the way

There are supposed to be people for whom the separation is the salvation and the step into a new life.

A solid and independent management of the liabilities (i.e., affordability) assumed.

I know at least 2 in my circle of acquaintances and thus (so far) even more than "normal" cases of fate.

Here is what it looks like for us.

Net income (man 3000 and woman 1500) total: 4500€ without vacation and Christmas bonuses.
Full repayment over 25 years with a monthly rate of 1330€

One child was planned.
Two girls arrived at once.

The woman's salary completely disappeared due to parental leave.
We had to severely restrict ourselves when it comes to consumption.
After ALL deductions, we have about 500€/month left for clothing, vacation, gifts.

From October, my wife will work 25% again.
Then life will hopefully become a bit easier.

Children definitely cost a fortune