I took another look at the key data of the house. Regardless of the amount of financing, in my opinion, the additional costs will eat you up, which are currently an absolute black box.
In our circle of acquaintances, the letters for the new gas payments arrived this week. A semi-detached house built in 1980 now costs 280 euros per month and a small town house from the 1950s costs 400 euros for gas per month.
I personally hope (and also assume) that these prices will normalize, nevertheless I believe that they will continue to rise in the future. And against this background, I don't want such an old house that is also uninsulated and not up to current standards.
I see it the same way. We are currently considering cutting our remaining budget for the outdoor area and instead installing as much photovoltaics on the roof as possible with the money. I can still do the garden in 1-2 years, but the additional costs are currently enormous.
The new house will have significantly more square meters than the old one. Also, we no longer have sloping ceilings, so there's more volume. On top of that, both of us constantly consume electricity because we work in a home office and also like to run gaming computers in the evenings that draw power. In the old house, we already had about 6.6k kWh annually (after 4.55 kWp photovoltaics), although my meter readings cover the period from December to mid-July, so the data might be somewhat skewed. In the new house, we expect rather 9-10k kWh per year.
At an electricity price of 59 cents (the price brake will eventually expire) per kWh and the worst-case assumption of 10k, you end up with around 6000€ electricity costs per year. Oops. That would somehow be 500€ advance payments for energy (which includes heating), and that in a new building.
In the old house, we also forgave the heat pump meter, I think this time we would rather separate that. Although I don't know if heat pump electricity is still cheaper.