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

Now be honest, finance 570k with 1800€.

That's right... does anyone have a calculator at hand to see how many years that will be?? Definitely over 30 years...

Linear is stupid. As an engineer, you will hardly stay at the same salary level, and in the public sector, there is also progress.

that goes far beyond the pension.....

Linear is stupid. As an engineer, you hardly stay in the same salary level, and in the public sector you also make progress.

That is certainly true, but so many unforeseen things come up... in the garden alone I can think of so many... the driveway too, wishes you sometimes want to indulge, you have to drive with the handbrake on for a very long time ;-) Whether that makes you happy, I don’t know. And I am also happy to think about the big picture and be economical

that goes far beyond retirement.....

about 35 years maybe - so no, it probably doesn't even go beyond retirement.

What inheritance is expected? Something like that can be taken into account if there are actually possibilities.

what about in 20-25 years? By then most of the children are out of the house - then you can repay relatively quickly and a lot. What about salary increases and so on...

So I don't find the financing "that bad" at all.

Also: As soon as both work full-time or mostly full-time again, it's not a problem anyway? Then you just have to restrict yourself a bit for 2-3 years as long as the child still goes to daycare or mom/dad is completely at home.

Additional expenses for a child are hard to quantify - depending on lifestyle there may simply be shifts. Consider loss of income if, for example, you want to take parental leave.
Expenses for children increase with their age. The really expensive things are the unnecessary ones:

[*]Complete initial equipment from furniture to stroller, buying new (actually doesn't benefit the child, only the parents)
[*]Dependence on expensive baby food due to insecurity or inability to cook yourself
[*]Overloading with baby classes like "listening to English in the first year"...
[*]Being overwhelmed with toys (I also advise to restrain the environment...)

Exactly that. But having a child doesn't only mean "expenses". Being a parent is something completely new for oneself, for the relationship, and depending on the child's character (fingers crossed that they are healthy) a real challenge for 1-3 years. Only then do you see how people can harmonize with each other under sleep deprivation & stress (in the worst case). Children are not robots that "function" as planned. I don't understand why this is always brushed off so "casually". But I don't care. I find the loan amount crazy anyway. Everyone builds their own hell, I always tell myself :-D.