Buying a house without a mortgage loan

The house has two wood stoves, and when we were there for the viewing, it was really unbearably hot inside. She said the pipes are new. The roof is 3 years old. So, as I said, I’ll take care of it.

Directly by the wood stove it is certainly warm. It’s not really winter yet either. But the house is located in the valley in the low mountains; sunlight will be rather scarce there in winter and the heating demand correspondingly high.

If the pipes and the roof are only 3 years old, then the question arises why it’s being sold now? That sounds implausible. Why invest first and then run away? Then she should also have some proof of that (if done privately, there ought to be material invoices).

The stated loan amount is not a problem (you will almost certainly get a subsidized interest rate; with that, you probably won’t pay more than rent, and you can save enough). The problem is that you have to be able to estimate the renovation backlog precisely enough. The lady must not obstruct this, otherwise you shouldn’t make the deal. You can live with 100-year-old tiles. Not with broken pipes.

Your partner and she have separated, and it is too much work for you alone. She is probably around 50 and just wants to significantly downsize.

You say the roof is new. What exactly does that mean?
You have certainly dealt with the topic of [Sanierungspflicht].
Does the roof meet today's requirements?
What about the insulation of the water pipes?
The gas boiler needs to be replaced. What do you estimate it will cost?

I am still googling. But a gas boiler is already super expensive, I also expect about 50k for it. I really don’t know how old the roof is. She is currently not responding to me anymore since I came with the expert.

She is currently not responding to me anymore since I came with the appraiser.

Then you should be glad. That smells like some hidden renovation costs.

I am still googling. But a gas boiler is really expensive, I also estimate around 50k for it. I really don’t know how old the roof is. She isn’t answering me anymore since I came with the appraiser.

A gas boiler costs more like 5k than 50k. That’s not the problem. Does the house even have a water-based heating system? It doesn’t sound like it. Then you would first have to lay pipes and install radiators. If you don’t want the pipes hanging in the air, you would have to tear up floors and walls and then cover them up again. Then you are not only more than 50k down, but also easily unmove-in for a year. So that’s not an option either. If the electrical wiring was really redone and done professionally and is correspondingly powerful, then infrared panels or air conditioners would be an option. Without insulation, you obviously have a hefty electricity bill in winter, but in terms of fixed costs, that would by far be the cheapest (loan requirement would of course be correspondingly lower). As frugal as you describe yourself, that would then be an option.