Maximum loan amount based on our monthly burden

Respect! Great numbers!

But keep in mind: Prime will get more expensive!

Joking aside: I would generally always calculate with rounded-up numbers. Also monthly. It doesn't change your good situation, but you then have a better overview and have already factored in 1-2 increases


Brief regards

I would also ask the question what kind of house do I want on my property. With the income, I would definitely trust you guys with the region of 300k loan + 170k equity (= 470k) without stretching too much. Especially with vacation and 300 € per month, it won't be enough for 3 or 4 people.

Otherwise, hats off to your wife for carrying this through, when a child is there hormones often play ping pong.

When you eventually go to part-time work, it will calm down.

Do you trust yourself to raise the children alone? It will be tough.. wouldn't want to trade places

You have calculated everything perfectly. Financially, I see no problems. But if I were you, I would consider postponing the house construction by 2-3 years. That way your wife would have the freedom to take parental leave longer at first and then possibly work part-time for 1-2 years afterwards. To give up time with the baby just because of the lousy money, you really have to want that, but your wife doesn’t. You could already buy the plot of land now, possibly your own capital is even enough for that.

"I have often heard that the numbers are good. What amount of credit would be feasible?"

Don't you have a house bank with which you could calmly discuss all this? I advise against financial brokers—I have reasons for that, which would go beyond the scope of this topic. By house bank, I do not mean something like Targobank or similar. Karsten