Planned construction project 2016/2017

It is an equivalent payment that is taken into account as long as it can be plausibly proven that the job is retained and after its cessation income of comparable amount can be expected immediately again.

It was similar for us. The parental allowance was ultimately taken into account, but only after written confirmation from my employer that I would return to work from a certain date and then have corresponding income.
However, as long as it is not completely certain from when secure income can be expected again or if there is a certain period without income between the end of the parental allowance and resumption of work, most banks will probably have difficulties, right?

As far as the plan with building in 2016/2017 and children only in 3-4 years for the OP works out, the issue (at least regarding the banks) should not be relevant for him.

As long as it is not entirely certain when to expect a secure income again or there is a certain period without income between the end of the parental allowance and resuming work, most banks will probably have difficulties, won’t they?

At least as long as money and financing are tight. But if I still have 20,000 euros in my pocket and say that I will only start working again after 2 years (with the employer’s consent), that is also okay if this money is precisely planned as a bridge for the 2nd year with 1,800 euros/month.

At least as long as money and financing are tight. But if I still have 20,000 euros in my pocket and say that I won’t go back to work until after 2 years (with the employer's approval), that’s also okay if this money is exactly planned as a bridge for the 2nd year with 1,800 euros/month.

But then I would probably also have to prove the money to the bank in addition to the equity. Anyway, I think you know more about this than I do. I can only write about how it went for us. However, such a scenario as you described was never discussed, as it was clear from the start that I would go back to work after the parental allowance ended.