Property in good condition financable?

Yes, you have: Parental allowance is capped at a maximum of 1,800 euros. So your wife would not receive 2,240 euros of parental allowance, but 440 euros less. And that for exactly one year. Whether your wife can work again afterwards, and if so to what extent, depends on various factors:

- do you have a childcare place?
- where is this childcare place?
- how much does this childcare place cost?
- how does the child react to external care?
- how does your wife emotionally handle leaving her child in external care all day and working full-time?

Planning today with fictitious salary increases is, in my view, absolutely unprofessional. Never plan unbaked rolls for dinner, otherwise you quickly end up hungry.

Funny.
The unbaked and so far completely unplanned child is being discussed back and forth with hypothetical scenarios by third parties, while including wage increases that will occur with almost 100% probability at least to a certain extent is dismissed as unprofessional.

funny. The unborn and so far completely unplanned child is being discussed back and forth with hypothetical scenarios by third parties, while the inclusion of wage increases that will occur with at least a certain degree of almost 100% certainty is dismissed as unprofessional.

From my point of view, it has nothing to do with "funny" when, in a financing dream that is already beyond good and evil, one rather addresses the additionally occurring problems instead of calculating theoretical additional income.

We had just under 200,000 DM as equity at 30/28 and still slept poorly in the beginning... with the basis discussed here, I would probably have died of a heart attack by the age of 35 at the latest...

From my point of view, it has nothing to do with "funny" when, in a financing dream that is already beyond all reason, one rather addresses the additional problems that arise instead of calculating theoretical extra income.

We had just under 200 kDM in equity at 30/28 and still slept badly in the beginning... with the basis discussed here, I would probably have died of a heart attack by 35 at the latest...

These anecdotal pieces of evidence don't help anyone. It is certainly appropriate to question the project here. But the lack of financial education among many forum participants often leads to bizarre assessments.

By the way, in my early 20s, with a financed car and desire to have children (back then, the parental allowance construct did not even exist), I bought my first house with 10k€ equity for incidental costs and a financing of over 100% and always slept well. Everything worked out. And now? Does that have relevance for the OP? No.

These anecdotal evidences don’t help anyone either. It is certainly appropriate to question the project here. But the lack of financial education of a striking number of forum participants very often leads to bizarre assessments. By the way, I bought my first house in my early 20s, with a financed car and desire to have children (back then, the concept of parental allowance didn’t even exist yet) my first house with €10,000 equity for incidental costs and over 100% financing and always slept well. Everything worked out. And now? Does that have any relevance for the original poster? No.

And now please compare again the ratio of your gross annual salary back then to the house price, or look at the curve of wage growth, land reference value, and construction cost index.

And now please compare again the ratio of your gross annual salary at that time to the house price, or take a look at the curve of wage growth, standard land value, and construction cost index.

and please read my text again and try to grasp and understand it content-wise this time. Thank you.

funny. The unbaked and so far completely unplanned child is being discussed back and forth with hypothetical scenarios by third parties, while including the almost 100% certain tariff increases to at least some extent is dismissed as unprofessional.

This simply has to do with risk assessment. I do not dispute that tariff increases will come. My concern was about the mentioned magnitude of this increase. The questioner already stated 3% as an absolute lower limit of a tariff increase and at the same time calculated his salary increases with his maximum value of 7%. I find that questionable. In recent years, I have often experienced that it was sometimes only 2% or less. The inflation beast has now been tamed, and accordingly, I expect more moderate increases in the upcoming negotiation rounds. That should always be kept in mind.

In risk assessment, I consider the unbaked and so far completely unplanned child to be a very realistic scenario in the next five years. I worked as a HR professional for several years and often experienced the following: young woman (25 to 30 years old) buys or builds a property with her partner and marries him. After the nest building is completed, the woman becomes pregnant one to two years later. We have witnessed this multiple times across all occupational groups in our company, from cleaners to executives. Even if now everyone says "Oh no, but with us it’s all completely different!!1!!eleven!!!", I remain firmly convinced that most people behave similarly and at the latest when the clock is ticking or the hormones are raging, the desire to have children prevails in most women and is implemented by them.