Assessment of financing offer / subordinated loan / repayment

Hm, income / expenses actually look good. About 3200 euros net every month, expenses only the usual. However, I have only been working full-time for a short time, before that I was still studying (but I have been with the company for 3 years). As I said, I will inquire at other banks tomorrow.

What do you think about the mentioned Wohnriester? Is it worth using?

Wohnriester has pros and cons. Basically about the DSL Bank. It is not a "subordinated loan". It is a small loan with much higher interest rates. They wanted to warmly recommend it to us despite equity. It is also always said that it should be repaid first in order to quickly get rid of the burden.

I would get the incidental purchase costs from the parents and finance at most the purchase price. Renovation from the current income. With 3,200 net something should be left over.