Buying an existing semi-detached house - Is financing possible?

Riester is the regular private pension provision. The Rechtsschutz is a complete package to be properly insured. It is more intended for defense than for suing yourself. Risiko-Leben is my girlfriend's insurance and covers against death. Additionally, there is a BU integrated. Our line of thought at this point is, because we also think it will be tight, that we start with a low repayment and increase it after further training and an increase in income.

Legal protection is a complete package to be properly covered.

Term life is my girlfriend’s insurance and covers in case of death. Additionally, there is a disability insurance integrated.

You urgently should review your insurances.
I don’t want to be the raised finger now, but ultimately, in my opinion, money is being wasted here.
No one needs legal protection unless they are in a risk group like, for example, a community of heirs.
I also have such a disability insurance, with the side story of term life. I would have questioned a sole term life insurance, since nothing needs to be covered yet. Whether you need a disability insurance...? pff... I certainly ask myself that twice a year...

that we start with a low repayment and increase it after further training and income increases.

After further training, planned children will come who will keep the repayments equally low. And that for years...

You should have the sharp pencil here - I don’t want to do that!

I could write a lot more here, but I don't want to, most of it has already been said. I notice the item PKW (even 2 of them). You spend well over 6000 euros per year, but manage with 2-3 tank fillings per month? That's a pretty expensive luxury for relatively little performance. 3 tank fillings about 1,500 km = 18,000 km = 35 cents/km without double! depreciation. With consumption details, you can of course calculate more precisely. I would reconsider whether this has to be that way (yes, mobility is great, but also a very expensive luxury). Overall, I agree with the others that the expenses are quite high.

Whether you need a disability insurance...? pff... I certainly ask myself that twice a year.

From my point of view, that is the only thing you really need besides liability insurances (private, car, house, possibly dog) and, once you have left the "fruit staircase apartment" age, a home/builders’ insurance.

I often have people in the prime of life sitting in front of me who were shown the harsh reality by life in their early 40s. Then the existence of a disability insurance often decides how life goes on.
-> Whoever can get one should take it out as early as possible!

I completely agree, Computersylvia

However, a BU (including small LV) with a monthly contribution of just under 70 euros will hardly pay more than the social benefits under the SGB would provide. And since this benefit is fully offset, I would at least like to question the value of this insurance. Either you take a BU that really delivers something (which is hardly available for 60 euros even with 20 years) or you simply leave it.

Just as a suggestion on the side, maybe the scope of benefits should be reviewed and various scenarios played through.