Buying a house - Are we creditworthy? Building savings contract?

Regarding the building savings contract: 1.5% credit interest is currently great, I would continue saving into it.

With €250,000 at 2% repayment and a 20-year fixed interest rate, you are currently at €950 + approx. €400 additional costs, so a total of €1500 per month.

But you don't have to worry about that, as soon as you have to pay more than 50% of your net income for housing, you are out at any bank. So you see, even a property that only costs €200,000 would not be affordable.

You simply have too little equity and the salary is (still) abysmal for a loan of this size.

At €2,500 net I would have said feasible. €1,500 no way

For a house that is not newly built, one must also think about sufficient reserves. There is always something that comes up. That means you must also be able to set aside some money monthly for the house.

There a few buckets of paint, there a few square meters of laminate, etc, that's your equity that you have saved up until then gone immediately. Without major renovations, without a new kitchen.

That it doesn't work is probably sufficiently clarified. And if < 2,500€ is not enough, then I just have to save first. But now what is important to me is what I should do with the Bauspar contract. I was told that the interest rates and generally what this has for amounts are not so great and that I should renew it. Is that true? How else should I proceed with it? Saving for the next 15 years doesn't really make sense to me.