Variable loan possible / sensible?

I had a few minutes to spare and quickly flipped through the thread again to see at which points the thread could have gotten so wildly out of control.
Honestly, I found the entire thread completely fine, polite, and also factual!

Then a simple question arises from my side: why do I have to make an effort to justify myself and throw pearls before swine (metaphorically, no insult!).

Because this is a discussion. You say something polarizing, the crowd responds, and then it’s your turn again. It’s up to you to give a cool answer, or none, or to complain. You can also ask a relevant factual question again, then we (the crowd) are back on track.

That’s why I emphasize again: we have received input, thank you very much. These digressions towards consumption and private life are superfluous because we are aware of that ourselves and again emphasized very clearly: don’t see them as questions here.

No, that’s exactly what it’s about.
You’re afraid of not getting a loan in two years, aren’t you? There were several hints that by paying down the variable loan as much as possible now, you can prove to any future bank that you can handle it, and also, less loan will be needed. So that’s all very relevant. And if you reply that currently during parental leave you don’t want or can’t spend 1000€ for the variable loan, then that is very relevant for the big picture! The bank will see that too.
And again: We all want you to get your dream property. Whether condominium or house, we want to show that it can work and how you can make it possible for yourselves. Naturally, tips for saving money come with that.

We are capable of doing our own calculations.

Apparently not, otherwise Hausidee 1 would not have been canceled after the contract was signed due to financial difficulties and question 2 would not have arisen. Why don't you follow the basics of polite interaction yourself?

Apparently not, otherwise House idea 1 would not have been canceled after the contract was signed due to financial constraints and question 2 would not have come up.

Why don’t you follow the basics of polite interaction yourself?

Nothing has been canceled and the exact calculation is only known to us anyway :) that’s exactly the unpleasant thing about the whole situation. The term “apparently” is used here and taken as truth for discussion. It cannot be otherwise logically, since many details cannot be known to you by default / I have not provided them or have not provided them correctly (now relating to the first thread). We have now consciously taken a step back to get to the bottom of your suggestions: some of what was said was true, other things were not. We have considered a lot (which maybe I did not write down), but precisely for equity and own funds reasons, we have now consciously taken the time to rethink and make a final decision. It would be foolish to do otherwise – to let the entirety decide over oneself / one’s steps.

But again I emphasize – it is our task and our decision that will be made in the end. This or any other thread in my opinion should not serve to lecture others / to impose one’s own opinion. It is okay if someone gratefully accepts it, but it is also okay and understandable if someone remains resistant. It is no reason to form far-reaching prejudices here and discuss something about the OP with each other.

I expressly asked for this. If my request receives zero attention and the whole thing nonetheless slips into discussion about stroller costs or whatever, then it’s no wonder that I lose my temper. It is only surprising that I have not long ago given up making my point clear. Which is not related to the topic itself, but actually to the tone of the discussion and overly personal (!) opinions.

Therefore, I do not feel like dealing with this any further here. I have included the core statements in our considerations, the estimates about my own expenses should be spared for strangers and personal boundaries should be respected whether in real life or on the internet.

you have received many hints, concrete answers to your questions, and well-meaning advice or sometimes quite blunt views and opinions from one or another.

I believe in the last 25 pages you have not quoted a single post and written whether/that the answer helped you or you accept a tip to think about it again or something similar.

I think that frustrates one or another who takes the time and wants to prevent you from blindly running into your misfortune.

Nevertheless, of course, you do not have to justify yourself to anyone. Ultimately, you are the ones who decide and later have to live with it.

In any case, I wish you a clear mind in decision-making and on your further path.

and personal boundaries should be respected whether in real life or on the internet.

Yet you are the one who is speaking here quite disrespectfully: "pearls before swine" (not because of the swine, but because of the expression of disdain towards the commitment of the forum members), chatter, "if you are so stupid" and similar things.

So far you have not answered any of my questions. Why do you yourself communicate so disrespectfully here?

My personal opinion, and I speak at least somewhat from experience: this consumer mindset, which seems to be particularly strong in relation to your income, cannot be shed overnight. You might be able to suppress the desire for a limited period, but no more than that. There are people who are naturally very frugal (raised that way), for whom it is not particularly difficult.

Then there are people who like to "consume." I can say about myself that I do not want to restrict myself in any way for the next 30 years for a house. If a ski vacation and a long-distance trip with the family are not possible, I am not going to tie myself to half a million in debt. If I have to switch from my Bavarian car to an Asian one because of the property, I would rather continue to rent. Of course, these are just a few examples, but I think it is clear what I am getting at. I am that honest with myself because I know that I do not want to give up my little "sins" permanently. Are you also that honest with yourselves, or is the desire for homeownership simply too great right now? You have to answer this question alone in the quiet of your own room.