1972 house with 174 sqm from the neighborhood

And what if there are siblings? Then dad has money to give away? Slowly this is becoming off topic... and confusing... I know: we all wish that the OP receives 60 thousand not as a loan but as a gift. The parents are wealthy and have many children and are now giving each sibling 60,000 ;) Please read #47. No siblings are mentioned there. yes, they can now live elsewhere and not be able to help. They might still be too young or have back problems. There are still quite a few speculations as to why the siblings are not mentioned. The answers from the OP are well explained and detailed, of course, quickly forgetting to mention 2 siblings ;) And I bet the OP will clarify for us tomorrow :)

If they had money to give away, they would not lend it, but give it to their son as an advance inheritance.

Well, luckily you have full insight here. And I, naive fool, had so far thought that we humans are all individuals, with individual characters, who make individual decisions. I guess I was on the wrong track...

Well, luckily you have the full overview here. And I, naive as I am, thought until now that we humans are all individuals, with individual characters who make individual decisions. I guess I was on the wrong track...

So individual that a household income of about €4500 is attributed less than a single person who has €3000 available ;) One would think some numbers are being withheld or overrated here.

Hi, sorry that I didn’t get in touch over the weekend.

Yes, there is actually an older sister who also lives in the house (a 3-family house, with grandparents, parents and me, sister with husband and 2 children).
My parents are both still working and I have no idea about the amount of savings. My parents are very secretive about that.

Over the weekend, it also came up that I met the heating engineer and electrician from 2016 for the house, who also comes from the village center.
He generally has a good impression of the house, but thinks that the hillside side should be excavated and redone. Which worries me again.
The hillside side is very narrow up to the property boundary; there is only a narrow paved path (maybe 1.2-1.5m), then comes a wall which is the property boundary.
I hardly believe that it can simply be excavated here; what happens to the wall when excavating?
These are questions that I definitely want to clarify first, if time even allows and the house is not already sold before I have clarified that.

I think a lot about it and appreciate so much feedback and also the constructive criticism!!! Thank you very much.
Unfortunately, I cannot answer some questions that are still up in the air myself.

no, I am not upset about the criticism regarding repayment and so on. I took it absolutely constructively and also talked to my parents about it, it doesn't have to be paid back in 10 years, but they don’t think much of 30 years either (they are in their mid-50s). These are absolutely valid objections, and that’s why I turned to the forum to see whether I am being too naive or not.

The question that is currently on my mind is whether I could ever afford a house at all? As mentioned in the initial post, I would basically be a fan of building. This has now just come up by chance, I really like the location and the house fits my future wishes. But I can’t imagine ever having more money available than I do now. And even if there were a plot of land, it would have to be developed and it is also a sloped plot. As an engineer, I can still increase my salary somewhat, but since I’m not a fan of personnel responsibility and rather want to work as a specialist, it is limited. Hopefully, at some point I will support a family and then my wish would be that the finances work out so that with children you are not forced to both work (for example, I was a difficult child regarding illnesses in early childhood, it simply wasn’t possible for my mother to work again after one year). Once I graduate, I will move out, that is certain for me, at 27 I don’t want to have to live with my parents anymore. Then the savings rate for accumulating equity will also drop significantly.

The question that arises for me right now is whether I could ever afford a house at all?

But I can't imagine ever having more money or available funds,

Of course you will be able to afford a house again. You can save, and in a few months you might already be making future plans with your partner. Once she has studied, has a career and so on, you will have a good amount of savings together. 27 years is still very young. Garden and house make property immobile and come with obligations. Many only build or buy in their 40s or so. See it like having your own children: the time isn’t ripe yet.