Is financing feasible or are we overextending ourselves?

Are 140 sqm enough for 5 people?

Sure, that works, it exactly reflects my situation and each child gets their own room. In the basement, I even have an additional study. I'm lucky that my house has a favorable layout. Regardless of my situation: 4 bedrooms, 2 bathrooms, kitchen and living room together make 8 rooms at 15 sqm each, so 120 sqm. That leaves 20 sqm that can still be distributed somewhere. It’s all far from luxury and purely functional, but doable. The problem for the thread starter is that with three children without a basement, there is very little storage space. But whatever, 2 children plus study or 3 children without study works.

Sure, that works, exactly reflects my situation and every child gets their own room. In the basement I even have an additional office. I'm lucky that my house has a favorable layout.

Regardless of my situation:
4 bedrooms, 2 bathrooms, kitchen and living room together make 8 rooms of 15m² each, so 120m². There remain 20m² that can be added somewhere. It is all far from luxury and purely functional, but doable.

Problematic for the thread starter is that he has very little storage space with three children and no basement. But anyway, 2 children + office or 3 children without office works.

Garage or external storage rooms. Basement is not possible with that budget.

Would you also have a reason for that or can you elaborate? At 430k euros, the rate is in the 1250-1300 range (with a 35-year term) + additional costs. If I rent a 4 or 5 room apartment here, I'm at 1200+ warm. The rate is fixed for 20 years. I'm not protected from rent increases.

Well, the 4 or 5 room place would also be too expensive for you. It is actually the case that NOBODY knows better whether you can afford it or not! At the same time, you have long since decided to do it. Now, of course, you hope for as many "it's doable", "fits easily", "easily manageable", "we have half the net income and double the purchase prices. Fits perfectly", etc... That's absolutely understandable!!!! However, it is therefore pointless to go into the cons in depth here now. The monthly rate sounds manageable. The total loan amount is, in my opinion, outrageous! Nevertheless: I wish you much success and fun! Please report back from time to time how it is. Regards