Our financial situation - Your opinion?

Goes out to eat or something like that.

Pregnant, unvaccinated, Corona hot spot = lots of time for the forum ;-)

Thanks anyway for your opinion. It does reassure me. Rationally everything fits, but you do need a bit of courage for such financial risks.
I regularly am amazed when I read what sums are financed here with which incomes o_O

Very good starting position, nice, realistic consideration of expenses.
However, I do not see setting vacation to zero as realistic / reasonable.
The way and also the places to vacation will change with a child, but you will not completely stop going on vacation.
But it’s easily manageable from the bonus, financially therefore unproblematic.

Whether you really want and can work full-time again after a year remains to be seen. You can of course plan to do so, and with some probability it will work out. However, the financing definitely depends on an additional income besides your husband’s. Staying at home for three years is not feasible. I’m keeping my fingers crossed for you, but sometimes things just turn out differently.
Possibly, I would find it wise to make the decision only once your child is here and you have adjusted a bit to the new situation.
Realistically, not much more will happen this year if you sign a construction contract now. A child changes life significantly more than one can imagine.

Overall, you are standing excellently, you will be able to live in a beautiful house and finance the whole thing relaxedly.

If you are really scared, then it might make sense to set the repayment rate lower and make many special repayments each time. Additionally, finance with a bank that offers several free repayment rate changes.

As long as you don't want to build a house for 1 million, you will also repay with a rate from 1.5 to 4% and will get the best offers anyway with your framework conditions.

Your framework conditions belong to the top 5% in forum comparisons. So you actually don't need to worry :-)

that fits wonderfully...if not you, then who

I understand the discomfort of committing to such expenses. Financially, I don't see any problems arising. Since you can easily manage it, the commitment isn't that big, because a house can be sold quite quickly and the commitment is gone if you feel bad about it. In the worst case, some money is lost that you are not dependent on. So what, either way, you have a lot to gain and hardly anything to lose. Talk with your husband from Basta about "fear of commitment" and relate it to a house - only if you have a sense of humor, of course.

Sincerely meant question: Are we sugarcoating it? Are we overlooking something? We are used to a generous lifestyle and the financial commitment to the house is a bit scary – more for my husband than for me.

No, you are not sugarcoating it. But you are calculating too much ;).

Besides the fact that you earn sufficiently and have enough free liquidity, there is still a very large buffer in your calculation.
These are the various insurances, which are extraordinarily high. Many people don’t even earn €1,400 per month. If things ever get really tough for you, surely various insurances can be switched to premium-free status.