A lively off-topic discussion has developed here, which I think has been conclusively commented on. There are areas in banks that have no contact with traditional banking transactions. Therefore, I think it is quite legitimate to also obtain corresponding opinions here from knowledgeable users.
The initial information was rather sparse, I am sorry.
So once again about the net financial figures.
Household net equity monthly: 6,088 EUR (3,720 husband + 1,980 EUR parental allowance + 388 EUR child benefit) We have two small children, my wife will go back to work (50%) after the end of the parental allowance in April 2019 and earn about 1,400 EUR net. In addition, there is a relatively constant bonus of 10,000 EUR, which I think should be left out.
The current rent amounts to 1,510 EUR (including 300 EUR ancillary costs).
The mentioned legacy debts of 100,000 EUR are divided into three consumer loans, which burden us monthly with 2,100 EUR interest and repayment and will be paid off in 2021/22/23. The repayment amounts are available and all can be repaid immediately without or with negligible prepayment penalties.
In addition, there is currently 150,000 EUR equity available, which consists of own savings and an inheritance. There are no building savings contracts or further assets.
The parents are aware of the possible consequences of contributing the mortgage and could alternatively also act as guarantors.