Is a funding framework of 520,000 realistic?

That is not entirely correct: there are deferral cases. This includes parental allowance for the first child, hence these 12 months. After that, the parental allowance for the second child decreases with each month later, as one working month is lost if work is not resumed after one year. But this only applies after 6 weeks, because maternity protection is also a deferral case. And of course, there is also the 10% allowance for each child under 3 years already living in the household, at least €75.

This has led to my wife still receiving half of the previous parental allowance for our second child born on Friday, even though our daughter is already 23 months old.

This is especially a pretty nasty calculation now with Parental Allowance Plus, so better calculate with a worst case of €375 for the second child (minimum rate).

Yes, for example on the L-Bank website. Even though they are only responsible for BW, the information there is detailed but still hard to digest

For us, a loan for a terraced house would be a maximum of 400,000 (house + still missing furniture + incidental building costs). We will take out a flexible loan if it comes to that, so that the rate can be reduced or changed within a certain framework when the child arrives or something else happens, without any change fees. I would suggest that in your case as well. Better safe than sorry!

I think the topic of parental allowance and private health insurance is no longer really of interest to the thread creator. Some people should just do what they want

How much more will this flexible loan cost you?



First of all, thank you to everyone who is participating here...
Of course, I am interested, but at the moment it seems quite confusing to me, so I might have to focus more on the topic of children.