Construction financing semi-detached house 130m2 healthy?

Ok, financing is off the table. Next come inspections/TÜV/repairs/tires...

Cars are piggy banks with a hole in the bottom. ;)

With the insurance, you have the advisor in the house anyway.

That is of course correct. Inspections/TÜV etc. must of course also be paid even now. Repairs will certainly increase over time. That is correct. Unfortunately, cars are in most cases an absolute necessity. I would also prefer to invest my money in something else. However, we rely on two cars.

How do you generally see the interest rate of 1.7% for the large 392,000 loan? According to the financial advisor, this is currently a normal interest rate for a 100% financing.

How do you basically see the interest rate of 1.7% for the large 392,000 loan? According to the financial advisor, this is currently a normal rate for 100% financing.

By the way, it is the Kreissparkasse Köln. I am really unsure and somehow torn. No one knows where the interest rates are headed and the house is in a great location on the Rhine between Cologne and Bonn.

We have currently signed a mixed interest rate of just over 1.3%.
Main portion from ING, 100 K EUR from the promotional bank IB.SH.
Our equity is about 12 K EUR higher than the incidental purchase costs, yet we have taken on 10 K EUR more than the purchase price as a buffer. So we are even over 100%.
It concerns the purchase of an existing property.
So I find your conditions too expensive.
But it also depends on the interest rate fixed period. We have 15 years.
For 20 years, the 1.7% would probably be okay.

We have currently signed a blended interest rate of just over 1.3%.
Main part from ING, 100 K EUR from the development bank IB.SH.

Our equity is about 12 K EUR higher than the incidental purchase costs, yet we have taken an additional 10 K EUR more than the purchase price as a buffer. So we are even over 100%.
It concerns the purchase of an existing property.

So I find your conditions too expensive.
But it also depends on the fixed interest period. We have 15 years.
For 20 years, 1.7% would probably be okay.

We have a 15-year fixed interest period on the main loan.

It is a combination of a KfW loan of €120,000 at 1.1% and a loan from the Kreissparkasse of €392,000 at 1.7% for 15 years.

The loan includes €20,000 for painting work and floor coverings.

Can anyone else assess the conditions?

The conditions are not the hit. Just get in touch with a reasonable broker. They can certainly craft something cheaper for you.