Should I accept $39K from future in-laws to buy a house?

I am over 30 years old and from HCMC. My parents divorced when I was young, and now they live with relatives. I rent near my workplace for convenience.

My girlfriend, originally from another province, rents in HCMC with her two brothers, who are university students. We plan to marry soon and her parents want us to buy a house post-marriage, where her brothers would live with us until they are independent.

A house in an HCMC alley, not too far from the center, is expected to cost around VND4 billion. We each have VND1 billion, and with the additional VND1 billion from her parents, we would need to borrow the remaining VND1 billion from relatives and the bank. My family is financially unable to assist us.

While I value the generosity of my girlfriend’s parents, I am apprehensive. Living with her brothers would compromise my mental comfort at home due to the lack of private space. We also need to consider the house’s location for our work and her siblings’ education. I don’t want her siblings to feel pressured to move out prematurely.

Moreover, I am concerned about the financial burden of the debt. I prefer buying a house only when I can pay for half of it myself. I am inclined to decline the offer from my future in-laws and suggest living apart from my girlfriend’s siblings after marriage.

However, I worry this might upset her parents and siblings. Additionally, my girlfriend wishes to live with her siblings to support them.

What should I do?