Purposeful financing — monthly burden

It's all solid.
Just make sure your loan has a repayment modification option.
Then, if worst comes to worst, you can still scale it down a bit. Doesn't that reassure your wife?

That's how I would do it too. Then you can say: We'll try it with 5%, and if that's not enough, we'll reduce the repayment.
I'm no expert in this matter either, but this is one of the least worrisome situations in this forum.

I see no problem at all. With such an income and such an affordable house, I wouldn't hesitate!

I join the faction “Tilgungssatzänderung in der Hinterhand.” However, only you know your spending behavior. If I calculate ongoing (additional) costs of 450€, you pay all in 1700€/month for the house. That leaves quite a bit over at first - unless your lifestyle is one with above-average consumption.

You have almost exactly the same loan amount with the same income as we do (2 children, loan 239,000, 3% repayment with €1052 loan installment). With 2 children, you have to keep an eye on things here and there, big leaps are usually not possible (you do end up putting money into the house for years, e.g. outdoor facilities etc., even in an old building, and that still hasn’t ended long after 2 years of moving in and always costs a lot of money again). But I think that’s fine. And you can really reduce the repayment from time to time, for example when the parental leave for the 2nd child comes or something similar. How long does your wife want to take parental leave? Nowadays, there is the option to have the parental allowance paid out over 2 years at half the amount or to return to part-time work with reduced parental allowance; you don’t have to stay at home for 3 years.

Hello, you certainly also have the option to change the repayment rate, if things get tight just reduce it. Otherwise, I find it serious and even good that you chose such a high repayment rate from the start.

I wouldn’t worry, we even have a higher workload and are going on vacation with the child for the second time this year, have repeatedly done work on the outdoor area on the side and left 200 euros here, 300 there, and regularly. It’s manageable, especially when there are children you don’t go out to eat 2-3 times a week anymore, etc. Okay, you need diapers and such for that. Just make sure you put something aside, the rest you can spend freely.