Buying property feasible - Loan with building savings as equity?

€50,000 is a lot of money though

Yes, but with €200k including renovations and plus additional purchase costs, that would be just 20% equity. And that is the lower limit of what is reasonable. On the one hand, interest rates are rising, on the other hand, the risk increases with financial problems. With 100% financing, there is no room to increase the loan if major unforeseen problems arise. And in case of payment difficulties (unemployment, illness, other misfortunes), even a lenient bank has less flexibility. If a loan is ever terminated by the bank, with 100% financing you are quite certainly facing personal bankruptcy. It is similar if the house needs to be sold later due to relocation or family reasons. Especially in areas with low demand (i.e., where you can still get a house for €200k), you often have to accept discounts to sell a house quickly. And the lower the repayment rate, the longer you remain in the risky zone.