Buying a house - too expensive or can we afford it?

The salary is net.

So minus private health insurance? Or is 2000 or 2300 already freely available?

Oh, our monthly expenses might still be interesting: if I haven't forgotten anything, we spend about €720 per person per month. Including food, insurance, internet, etc. The current rent is €600 cold, warm with things like insurance or everything related to the apartment €920.

How much are you saving per month right now? More or less €1000?

Want to pay back about €1200 per month, probably over 30 years.

+ €350 additional costs + €210 maintenance reserve = €1760 for the home; every month...

Can you imagine that?

It was built in 1980, but has been renovated/refurbished by the current owners.

What exactly does renovated mean? Like heating, windows, insulation, roof new recently? Or just made nice inside?

The private health insurance was included in the 720 euros. I currently set aside about 500€ regularly, but I must admit that it wasn’t really intended for the house, although I have no problem using it for that. My boyfriend could save a similar amount. That would already come to 1000 euros. We actually estimated the incidental costs a bit higher. Electricity 100€, gas 110, property tax 100, water 20, garbage 30, chimney sweep 12.50, building insurance 50 and 11€ household insurance. I don’t know if something like the chimney sweep falls under maintenance for you. We planned to put aside 100€ for the next 2 years, with the salary increase in 2 years then 200 will be no problem at all. The electrics were done, new triple-glazed windows installed (not the "cheap" ones but the somewhat higher quality ones), the roof was not done, but that’s not so bad, we have roofers in the family and the roof is basically still in good condition. Inside it was completely nicely renovated. New floors laid everywhere, also a bit more high-quality, bathrooms also redone. A new stair railing might have to be installed, I’m not a fan of the current one, but that’s a matter of appearance. That can also be done in a few years when there’s more money. Oh yes, electric shutters were also installed. There is a garage on the property and there are also 2 parking spaces on the property. There is a fitted kitchen inside, also relatively new.

In this forum, there are a lot of people who like to give unsolicited more or (in most cases) less smart life advice. Nobody should listen to that.

Why should nobody? There have already been some who were prompted to reconsider because of that, so that they honestly refrained from making themselves slaves of the garden at 23 after all.
And regarding the small car/sled as a setup, there is a note from me further down that is almost always ignored by everyone, not just by "young people."

The electrics were done, new triple-glazed windows installed (not the "cheap" ones but the slightly higher quality ones), the roof was not done, but that's not so serious, we have roofers in the family and the roof itself is still in good condition.
Inside it was completely nicely done. New floors laid everywhere, also a bit higher quality, bathrooms also renewed. You might have to install a new stair railing, the current one is not to my taste, but that's a matter of appearance. That can also be done in a few years when more money is available.
Oh yes, electric shutters were also installed. There is a garage on the property and there are still 2 parking spaces on the property.
There is a fitted kitchen inside, also relatively new.

That sounds good. So the heating is still the old one? That should possibly still be taken into account. It depends entirely on how old it is.

Topic car/costs:
You calculate a car with 500€ monthly. If you depend on it because of the job, a replacement must be saved for when buying a new one. If you lease or finance, installments have to be paid.
If you think that is nonsense... no.
If you think you have no need for, for example, a "new sled" (attention, the term stands for much more), then the desired house must also be questioned.
The house or the interest in buying a house shows that needs change or become more sophisticated over time.
You change faster in your younger years than in older ones. This is usually also seen in thoughts about "living in the countryside or the city" and the "children question."
But you have that in mind and ask yourselves this question.
Otherwise, I find the numbers solid.

The heating is still okay, but it would need to be replaced. Not immediately, but within the next few years.

About the cars. I pay 90 euros monthly for insurance, but I plan for more in case I want to buy a new car again in a few years, which would then be fully comprehensive insured. Mine is currently insured with partial coverage. Fuel: I refuel every 6-8 weeks, always with good fuel, about 60 euros. I set aside 200 euros for the car. If it breaks down in about 4 years or so, there would be enough for a new one/repairs. Then of course, the 2,x euros vehicle tax per month. I don’t even come close to 500 euros. Since the house is quite central, one car would be enough; it’s less than 5 km to work. I don’t lease cars, that’s not something that makes sense to me.

I have never been enthusiastic about country life. I grew up in a village and that brings almost only disadvantages for me. I’m not a fan of noise and traffic jams either, but the house is located in a quiet corner.

For me, the city has almost only advantages. A good example is my mother. She moved 4 years ago, bought a house in the countryside and renovated it. She says that she won’t live in the house for another 20 years, and when she reaches an age where she can no longer manage her gigantic!! garden, she will sell her house and move into a ground-floor apartment in the city or, depending, into a nursing home. I would like to grow old in my house and also be able to go shopping by bus without spending 3 hours on the way.

I currently set aside about 500€, but I must admit that they were not actually intended for the house, however, I have no problem using them for that. My boyfriend could put aside a similar amount. That would add up to 1000 euros.

And you should be aware of that. ~1760; every month, for the next decades. That money is gone. You have to live off the rest and also go on vacation...

Electricity 100€, gas 110, property tax 100, water 20, garbage 30, chimney sweep 12.50, building insurance 50 and 11€ household insurance.

Are those current values from the current owner?
You should not forget the annual heating maintenance either.
Small repairs are also included.

So the heating system is still the old one? That should maybe be planned for. Depends entirely on how old it is.

The heating is still okay but would need to be replaced. Not immediately but within the next few years.

With my 210€ reserve, for example, 15k for a new heating system would only be saved up in 6 years.
That should be financed directly from the start.

We ourselves only bought a large condominium 2 years ago; I keep a very detailed household budget. I never would have thought how much little stuff here and there adds up.

(new lamps, toilet seat, sometimes a faucet, sanding and painting a wooden roof window, replacing something in the built-in dishwasher, tools/consumables for the garden, 2 new plastic shutters, 2 shutter motors, ...), replacing/renewing maintenance joints

All this does not fall under ancillary costs or maintenance reserves.

The heating is still okay, but it should be replaced. Not immediately but in the next few years.

What kind of heating do you have? An old oil heating system? Then a "simple" replacement might be difficult, and you might also need proper insulation - which involves high costs.