Financing purchase project single-family house 580TE before upcoming parental leave

well, financing so much with 5k net income is something you have to like! I personally don’t like it!

Only during parental leave, afterwards again >6000 euros income

The heating system is like new, 2 years old. Radiators are not.
Yes, rooms should be slightly changed (non-load-bearing walls)
The windows are from "back then"
The outdoor area, i.e., the garden, is the highlight. Absolutely top. The owner has taken very good care of it.

Well, do you want to buy a park or a solid building? :)
A new heating system alone - gas condensing boiler? - is not expensive by itself. That wasn’t my question either - the question is - how do you want to heat in the future? So, looking at 25-30 years, during which you will pay off the loan? With the breakthrough of electric cars, oil will drastically lose importance and that will also be reflected in the price. The gas price is linked to that. Hence the question.
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Yep, you’re right!
The "park" really makes an impression, especially if you currently only have a balcony :-)

we will go through everything again personally with the architect this week. Let’s see what actually comes up for renovation.
It’s all quite a chunk of money...

Only during parental leave, afterwards again >6000 euros income

something unexpected just has to happen

something unexpected just has to happen

I do not accept that. Because then almost no one would be allowed to build/buy, since something unexpected can always happen.

something unexpected just has to happen

Property. you are right, but we are aware of the risk of the purchase. There is no way without risk, or I have to buy a terraced house for 250k in the countryside. But I don't want that :)

There is also an "emergency fund", the backup in case everything goes wrong. To be liquid for about a year.

.

According to today's EEF, this apparently has to be done?!
This could all become a bottomless pit. Then there is the desire for a new roof covering, because a dormer is needed, and so on.
Many would probably rather tear down the house and build new.
Question: what do you want to achieve? A quasi-new building?
Do you have any photos? How is it that an architect is already involved? Have you been considering the property for a while?

If we could choose, then a nice existing property that we could modernize. We are not "people who have to own a property, otherwise their life is worthless." For us, the location and the house are actually more important than the plot.

We know the architect; he always advises us on interesting properties. The property is still freshly "on the market."