Financing plan - How much can we afford?

if you lose money with it and get into an emergency yourself, but it's already important

I don't think an emergency can be spoken of here.

Yes. Liquidity bottleneck. Roof scrap, €10,000. With €2,500 net per month, which barely covers the own installment + living expenses, that is a knockout. Ultimately, this endangers the own house or forces a quick sale of the house that requires renovation = poor price. Now, without urgency, selling and investing the money into the own house improves the loan conditions, reduces the monthly burden, and significantly reduces the risk arising from the old house