Financing a single-family house realistically?

It's really amazing how some people think you have to put 100k directly into a 27-year-old house in order to be able to live there properly.

If you want, you can probably just move into most existing houses like into a rental apartment. But I also find it understandable that when you get new property, you look at what might be coming up soon and, if financially possible, want to take care of it right away. ‍ Heating, for example, I see with my parents, there is just a huge gap between "what must be done" and "what could potentially be done."

A really useful skill that I have learned in 4 years of living in a house from 1978: craftsmanship. You grow with the house and the tasks it holds for you if you are willing to engage with the matter. A final visit with someone from the profession and if they give the green light, then go for it! Financially, I also see no difficulties with the information you have provided so far. The interest rates are reportedly rising again very slowly but steadily. So I would put a bit of pressure on the pace regarding the second viewing appointment.

The fact is that both our potential homebuyers are extremely privileged and actually do not need this thread for decision-making. They know that they can afford the house. In my opinion, they just need one more confirmation. And they can gladly get that. The house itself is a different topic that could be discussed in a house thread.

If I were sure that I could easily afford the house, I wouldn’t be asking here. A payment of €1800 plus additional costs of €600-700 is not insignificant even with a high income and already pushes the comfort zone quite a bit – even without an extravagant lifestyle. Especially when you always have to consider unexpected repairs. That’s what a forum is for – to get other advice and suggestions from people who have more experience in the area. But well...

You have already helped me a lot and I was able to take away some useful aspects. We would visit the house again and clarify a few more questions, but I’m positive :)

already strongly scratches at the comfort limit - even without an extravagant standard of living.

Sorry if you feel attacked. But seriously: Having over €3,000 monthly for living expenses scratches at your comfort limit without an extravagant standard of living? You must be kidding. That is an amount for a very upscale standard of living and far from any normality.
Here, the questions rather come up whether I can afford the €1,500 installment with a net income of €3,000. Then we are talking about a comfort limit without an extravagant standard of living.

But that’s just the perception. Some feel normal living with €3,000 living expenses per month. Still nice if you could take feedback here and now can thoughtfully reflect on your financial situation.