But is it better to buy a house?

Oh man... it's drifting again into "but I only paid such and such amount for my cabin." Can you address the OP instead of bragging about your heroism?

I think the OP is indeed helped if they get to know counterexamples to the thesis put forward here "Forget it. You can't get a house with land and additional costs for 350k. Your brother-in-law as an architect should know that too".

That makes a total of 321,459 euros. The bank is only giving us 350,000 euros

Yes, the 321,459 would be the minimum. But there are also floors, wallpaper, kitchen, outdoor facilities, carport, etc. to be added. But if the bank is giving 350,000€, I would also draw it down completely. You will need it.

I think the OP is indeed helped if they get counterexamples to the thesis put forward here

For someone from Cologne, it is completely irrelevant what is paid for a single-family house in Kiel or Kassel. What matters are costs related to Town & Country, Cologne, or a semi-detached house in Erftstadt. And it matters whether this offer can stand as it is, and the question was: is there anything additional? (For those who have forgotten) One might think that the same people always copy their pre-made building blocks here and wait for an opportunity to take a position.

It's a semi-detached house, so not to be confused with a single-family house.

Costs that have to do with Town & Country, Cologne or semi-detached house in Erftstadt are of interest.

Ours is a Town & Country house... and I am not trying to make myself look good here, but the statement from HilfeHilfe was just too general... I just wanted to point that out. Everything else was reactions/answers to what came afterward.

: I know