Is the construction project affordable? 570 k€ loan with a 5300 € salary

Please, there are limits in every direction. At our daycare, there was once an appeal to the parents that they should take time off with their children! Apparently, there were children who were brought every day the daycare was open.

It was the same in our daycare. Unthinkable for us that you have to be told something like that :eek:

However, there were children for whom I thought that it was certainly better for the children the longer they stayed in daycare :(

Well, there are also families where you have to assume that the children receive more attention and love at daycare than at home. But I totally agree with you, mine were always only at daycare until noon, now in elementary school it also ends at noon, then a little break and then there’s program / playing / friends / sports / homework.

with your attitude towards life, which is not just theoretical due to your self-saved equity, financing is possible. And of course you can include all fixed salary components, the bank obviously does that too. The payment modalities are completely irrelevant. If my company pays my salary only once a year for whatever reason, I don’t have one cent more or less than with monthly payment. It’s just nonsense that some act as if a contractually fixed 13th or 14th salary is completely meaningless.

I am always surprised in this forum by how many pursue the dream of being a housewife. For us, it was perfectly natural that our child goes to [Kita] after one year and both of us go back to work. That was the case with our parents and it is also how it mostly works in our circle of friends. It has not harmed anyone, or rather I see it as positive, and it has nothing to do with wanting to dump your child. It always seems to me like some kind of East-West thing, which is still anchored in people's minds (on both sides).

I am always surprised in this forum by how many pursue the dream of being a housewife. For us, it was completely natural that our child would go to daycare after one year and that both of us would go back to work. That’s how it was with our parents, and that’s mostly how it is in our circle of friends as well. It hasn’t harmed anyone; if anything, I see it positively and it has nothing to do with wanting to "dump" your child.
It always seems like some kind of East-West thing to me, that this is still anchored in people’s minds (on both sides).

The same for us. On the 366th day of little Filius’s life, we started the daycare adjustment phase. My wife would have thought I was crazy if I had told her to stay home for another year. Firstly, she had been going stir crazy here (also thanks to Corona), and secondly, she missed her job.
After a successful adjustment phase of about 3 weeks, the little one was then in daycare every day from 7:30 a.m. to 3:30 p.m., including a 2-hour midday nap, with a second breakfast and lunch. And after I picked him up, it was playtime first. And walks. And reading picture books. Here too, this has nothing to do with "dumping," but rather with balancing work and family.

Being a housewife would be a nightmare for me. I have studied and I enjoy my work. Taking it easier for the sake of the children: absolutely. Staying completely at home: no thank you.

I am always surprised in this forum at how many pursue the dream of being a housewife. For us, it was quite natural that our child goes to daycare after one year and both of us go back to work.

I also started working again after 18 months because my husband came from a neighboring country and didn’t find a job immediately.

Now our child is 10 and if I could turn back time, I would either stay at home a little longer or start with significantly fewer hours and rather restrict myself financially a bit!

And I say this as a 38-year-old who has been working for 21 years.. I don’t dream of being a housewife, I would just have liked to be a full-time mom for longer!