Planned construction project 2016/2017

Then please include all additional costs of a child. These are missing in the above calculation.

I totally agree with you there. I think everything should be taken into account on both the income and the expense side.

I would recommend already using the planned monthly installment for saving. It increases the equity and immediately shows whether the amount is realistic.

What a child costs per month cannot really be said in general or beforehand. It depends, for example, on how many friends / relatives with small children one has nearby.

For your information:

The bank does not recognize income from parental allowance.
At least, that was the case for me during the initial meeting with the house bank and loan broker.
My wife is also on parental leave and wants to work again after 1.5 years. But for the financing "now," only my salary counts.

: It may have been that way for you. However, as a rule, this is not the case. It is an equivalent payment that is taken into account as long as it can be plausibly demonstrated that the workplace is retained and that after its loss, income of comparable amount is to be expected immediately again.

OK! Good to know for the detailed negotiations, because that is exactly the case for me, or rather my wife.

It probably does not change anything as long as the basic financing commitment is in place, meaning the bank is basically willing to finance anyway. Only in cases of (ohne Elterngeld) tightly calculated financings is the parental allowance likely to finally switch the light to green.

The conditions neither worsen nor improve as a result.