Variable loan possible / sensible?

We could save significantly more from your income, so there must still be a few expense items on your side. (That's perfectly fine, just probably better to go for a smaller house then)

Surely it will be a much calmer year with the baby,

Hi,
don’t get confused, the installments + repayment usually start depending on the disbursement, and very few construction companies charge everything only at the very end, actually partial payments are due depending on the construction progress.
At ING, provisioning interest is due after the first year – and that’s really expensive.
In addition, substantial extra costs arise during the construction period that are not listed anywhere (various fees, travel expenses, etc.)
Regards Olli

Almost right.
When building a house, the financing costs steadily increase because interest is normally paid on the amount disbursed.
Repayment only begins after completion.

Otherwise, everything is as Olli writes. Building a house wouldn't have become much more comfortable financially because countless extra costs arise that are not part of the financing.

You will manage the variable financing.
But keep a clear household budget.
I can empathize with you quite well. We also always had enough ideas and opportunities to spend our money :) and we don’t regret that at all.
With the switch to saving mode, you have to change your basic attitude. It’s not that hard. But you have to want it.
With the double burden of rent and financing, you will lead a different life.
That’s not bad. It can even be quite liberating.
But it won’t necessarily be a walk in the park because of Corona and the baby.

1. As long as Corona paralyzes public life, you can shop for many great things/furniture for the child online out of boredom ;)

2. Eventually, the restaurants will probably open their outdoor areas again in spring. And then as a mother, you can meet other mothers very nicely and, depending on how relaxed the baby is, regularly go out to eat or do activities with other couples again.

So spending money often works quite well even in your situation ;)

Nevertheless, it is a good reason to break with old habits.

Yes, you definitely have to start saving if you want to build. At least 99% of the users here in the forum. However, if I constantly had to do without everyday luxuries like eating out, ordering food, etc., and had to become a "savings fanatic," I would refrain from building.