New single-family house 140 - Is it financially feasible like this?

No, she works 40h/week as an employee. The self-employed partner does the 50h. At first glance, everything doesn't look so bad. How long has the self-employment existed and how stable is the surplus?

The self-employment has existed since 2015 as a managing director with a regular employment contract.

What opinion? You have almost €7k net monthly and worry about a mini-financing (relative to the income)? We are talking about maybe a €1,500 installment.
Do you mean to say the remaining €5.5k is not enough to live on? Of course, it will be a bit tighter when children come. But those are the worries I would like to have ;)

Thanks for your assessment, I don't find it all that "mini" :D.
Our biggest concerns are with parental leave, when one salary drops out, and especially with the second child, since in that case the parental allowance could possibly be less than €1,800 (depending on how long and how much I work between the children).

Have you ever thought about what an incredible asset you then have on the other side? A house worth €600k belongs to you!!! The debts standing against it are therefore directly offset again. So you are not even highly indebted, but still have an asset surplus.

Of course you are right, but you do think about whether you can manage it like that, because you wouldn't want to have to sell the house then. It should be forever.

because the parental allowance there could possibly be less than €1800

Don’t forget to change tax classes 1 year before birth.

Change of tax class 1 year before birth should not be forgotten.

I have the feeling that people think that changing the tax class effectively gives more money. That's nonsense; at the latest with the tax return, everything balances out.

I have the feeling that people think that changing tax classes actually gives more money. That's nonsense, at the latest with the tax return everything relativizes itself.

But you don't know the calculation of parental allowance. The net income is taken into account there. In terms of income tax, of course, it doesn't matter...

You don't really know how parental allowance is calculated. It takes net income into account. With regard to income tax, it's obviously irrelevant...

I actually don't know that because it's been 9 years now. But I'm happy to learn more.