Financing a single-family house realistically?

I wouldn't let gardening upkeep stop me. You can also just leave part of the garden to itself and only plant bushes and trees, as long as you respect the distances to the neighbor. Then you only need to use the chainsaw about every 10 years. We do it that way too and haven't cut a branch for almost 10 years. Otherwise, the only thing that helps is to grab a building expert and walk through the house together. At first glance, it sounds quite affordable and doable for you.

Thanks already for the answers. We have already visited the house and found it very nice. We would visit it again with someone who knows more, as we are not experts in this area. I also consider the garden doable. There is a nice stock of old trees. Despite the high price, I wondered where the catch is, since it is much cheaper compared to other properties :D One disadvantage could be that this village does not have much to offer. No kindergarten or supermarket. But personally, I don’t care at all … I know life like this from the countryside. Also with the large plot … I am used to it from my home. But thanks already for your assessment, you see the financing as doable with our current income. When we earn more in a few years, it will definitely be doable, I think.

Despite the high price, I wondered where the catch was, since it is much cheaper compared to other properties :D

Even though some penny pinchers will probably disagree with me here: If you think the house is cheap and the expert doesn’t find anything serious, then hurry up and buy without much negotiation.

We did the same with our house.
Viewed it Friday evening, reserved it Saturday morning subject to confirmation of the existing appraisal by an expert, and about a month later we were at the notary and bought it without much negotiation.
Afterwards, we found out what others had offered—if we hadn’t already blocked the property by reserving it, we would have been amazed...

Yes, the next heating system will no longer be a gas heating system. So an investment will be required from him.

both gas and oil can be renewed without limits and a new burner does not cost the world. I don't understand why everyone wants a heat pump for at least €50,000 and then photovoltaic systems for €30,000.

I think that all sounds very good. :) I would be happy if you keep us updated on whether you buy / have bought the house. And maybe also post a photo if you like? Good luck =)

Ours was also "suspiciously"* cheap, we hadn’t found anything comparable at that price, neither during the search nor after the sale. Out of interest, we kept following the offers for a while because the price development back then was already very dramatic and we just couldn’t believe it. Our luck was that the first sale fell through, so the house went back on the market at short notice and we were the first to view it. After that, the tenants at the time were on vacation for a week, during which nobody else could view it, and at the second appointment we gave our commitment with a handshake. Behind us was literally a long line of interested parties. Sometimes you just get lucky!

From experience, here’s a tip: definitely have the building file shown to you and check the development plan to see if everything is correct and properly implemented and documented, with distances and built areas, possibly with easements, etc. We had a small "surprise" there, which could be resolved but as first-time buyers we would never have thought of it. Today I would calmly look through all the documents once and possibly pay experts if I don’t understand the content – or just ask here. :)

*Compared to the prices paid here in the years before, it was rather expensive – locals here could hardly believe the price increase – in hindsight an absolute bargain.