Is buying a house worth it for me?

Why is child benefit not allowed to be counted as income? If, on the other hand, all the costs arising from the children are also calculated, it is fair. And as long as the children are not economically independent, it is sustainably there every month.

However, I agree that it is hard to give up the beloved consumption. And when you have to, because the house is pressing... then you are unhappy. But if the bank actually only considers the TE's equity, the family won't get a loan of that amount anyway. Discussion therefore unnecessary.

Why is child benefit not allowed to be counted as income?

Not allowed, should...
The bank usually does not include it.

Child benefit:

some banks, for example ING, do not count it as income, but they do not include the children as an expense in the living expense allowances!
so the 204 EUR + are also 204 EUR - (so 0.00 in the end)

other banks consider the 204 EUR as income, at the same time they include the children with 250 EUR as an expense in the allowances, thus here the children reduce the disposable income!

other banks consider the 204 EUR as income, but at the same time include the children with 250 EUR as an expense in the lump sums, so here the children reduce the disposable income!

And that is realistic. Even with 250€ you can't support a child for the month. So far I have spent the child benefit entirely on care and food in the facilities; the rest (clothes, other food, toys, school supplies, class trips, outings) is on top...

I am a person who sets something in their mind and I have exactly the goal of buying a house, so I would almost say that we can somewhat restrict our standard of living with a house, after all, you can spend wonderful summer days here in the garden and the children have plenty of space to play.

That is true. But I would like to point out: a garden also costs money. It ranges from "just new patio slabs because the old ones are uneven," to "a nice lounge seating set from the sale," then "some play equipment for the children there," to "oh, a new grill would be great," "oh, we need new garden loungers," "such a privacy screen would be nice, the neighbor has already leaked me half a cup size," "the kids would like a pool," "a few berry plants would be great, well, then we'll just replace the soil," "the lawn must be reseeded," and "oh, you also need a lawnmower plus garden tools." Especially in the garden, you can sink endless amounts of money, and yes, people certainly like to do so for their little evening paradise. But then the money might be missing elsewhere if things are really tight.

Fummelbrett, thank you for your answer. Yes, a garden also costs money, that is clear to me, but you don’t always need everything immediately. The house should be financed over about 30 years, I assume that I will still save something now and then. I just can't get out of my head that I will be paying a cold rent of €800 for nothing for another 30 years (without rent increase). That’s nearly €300,000, which I could then also spend on a home of my own. Later it will be my security and/or that of the children.