No! This is an older offer, but we were basically able to "secure" the interest rates! It kept getting postponed because the elderly woman was sick and the notary appointment was rescheduled.
The house itself is great, was there with an appraiser etc. everything very well maintained, it is an older lady who doesn't need much money and simply wanted to do something good for a young family. The house was never actually on the market.
So the interest rates are not "from today," but already a bit older, but as mentioned, they could be secured by the house bank. However, if we sign on Monday, we would get the new conditions, hence the question here whether we should do it or not. If not, then the offer is gone and nothing would happen with the house for another five years.
Even with additional costs and reserves, over 3k remain. If the cars were paid for in cash and there are no other liabilities, it sounds doable. The question is whether you can manage with that. And only you can answer that. I also wonder why the house is so cheap in comparison.
There are actually no other liabilities at all, except for the monthly costs: food, heating etc.