Existing purchase plan: Financing possible?

No accident and household insurance? That should change in the future. For me, that would be too risky. Especially when children are on the way ...

... but I also think there will still be some development in the job here.

That is certainly possible. But it can just as well go in the other direction. After all, you are still young and the potential is certainly not yet exhausted. Why shouldn't there be a company car in the future?

What else comes to mind
for full-time: when is it supposed to be renovated by whom?
Do you have any photos to get an impression of the house and its condition?

Is the house really built in 1913 or rather 2013?

Thank you very much for your feedback. We are aware that it is a tight situation, and therefore there are still doubts about the decision....

Below are some answers to your questions. -Yes, built in 1913, gas boiler is from 1995 and should be replaced soon. - Condition: habitable, at least for the next few years. - Drywall, electrical work, and flooring can be done by ourselves - A company would be commissioned for heating and plumbing. - The roof was re-covered at some point

The 100k is a personal estimate. Before purchasing, we would hire an expert to be on the safe side. - The company car will not be discontinued, but possibly a job change, so 15k should serve as a backup for a small car. - Due to many overtime hours and home office, I think I can manage a lot with full-time for the time being ;-)

Certainly, it would be advisable to wait another 2-3 years and increase the equity. We like the house very much so far, even if there is a lot to do. We want to speak with Interhyp on Monday.

But don't forget that the 100k you are estimating today for the renovation is not "worth" 100k in the next few years. Everything isn't getting any cheaper.

That still leaves this question:

Where do the 100,000€ for the renovation come from then? You’re not earning that. That means a second loan. I don’t know if that’s so smart.

I consider this "renovating little by little later" as not well thought-out.
And for about 550,000€ the salary is simply not enough.

Living costs

Those are really very understated. 150€ for groceries... what does "what’s left over" mean? Does one of you work for a pizza delivery service? ;)
And that then with home office? Or with a child? Drinks...
Regarding the insurances, something has already been said. Banks calculate anyway with fixed amounts.
Good luck anyway at the appointment with Interhyp. You can report back.