Is financing for a new single-family house possible?

Why? The salaries are already adjusted for children, a partner only works part-time. It probably won't get worse with child 3 either.

Our ideas about childcare are different, as we already know. ;-)

Nice example of who can currently still afford a new build:

[*]Big inheritance + [*]Big equity + [*]Big income

Nice example of envy. The OP did not ask about that...

Who if not you. Additional construction costs already estimated very high, plus outdoor facilities, kitchen, garage realistically assessed. If it gets tight, you can definitely still save there. Possibly hold back a little equity to be able to bridge the time of the 3rd child.

Who if not you. Additional construction costs already estimated very high, plus outdoor facilities, kitchen, garage realistically valued. If it should get tight, you can certainly still save there. Possibly hold back a little equity to bridge the time of the 3rd child.

That’s what I thought at first as well. However, if you look at it more closely, it is unfortunately not very comfortable for them at the moment. So easy and carefree is something else. It probably lies 1. in the expensive region and 2. in the high construction costs. Definitely doable, but compromises still have to be made. Really crazy...

I wouldn't award the interior finishing work myself if I were you

Without knowing, I think you are both office chair workers and therefore probably limited in your craftsmanship.
Your income allows it and having 3 children does not make it feasible.
Have the interior finishing done by the [GU], you can still do the painting and laying the floor yourselves at the end if you want.
I think you'll just be torturing yourselves with everything else

I also see this quite relaxed.

Expenses: €3,566

However, with this amount of expenses, a household budget would make sense. You have _excluding rent_ expenses of a "normal average" earning family.

For your information:

other costs:

[*]Kitchen costs: €20,000
[*]Furniture, lamps, decoration: €10,000

Such things do not belong in the financing. For that, you need savings, which you also have.

deductible equity: €450,000

Therefore, you keep part of the equity back, which does not go into the financing. By the way, a buffer is missing in the calculation. This is not included in the financing with furniture etc., for example €50,000.

Since you will never face double burdens and can still save during the house construction, you are on the sunny side. Especially with the inheritance/equity. Be aware of that!