Financing semi-detached house with house bank

Background:

Purchase of the semi-detached house from the family:
Market value according to real estate agent: 250,000€
Bank valuation: 210,000€
Both values before modernization.

Purchase price: 128,000€
Planned modernization costs: 126,000€
Additional equity contributed: 10,000€
Remaining available equity serves for furnishings, kitchen, buffer
Financing amount: 244,000€

Component 1:
Loan amount: 130,000€
Fixed interest period: 30 years
Effective interest rate: 2.49%
Installment: 480.89€

Component 2:
KFW Home Ownership
Loan amount: 50,000€
Fixed interest period: 10 years
Effective interest rate: 1.36%
Remaining debt: 34,337.63€
Installment: 210.84€

Component 3:
Loan from house bank
Loan amount: 64,000€
Fixed interest period: 10 years
Effective interest rate: 1.6%
Remaining debt: 34,337.63€
Installment: 258.27€

Component 1 has no option for special repayment. This would cost an interest surcharge of 0.04%.
What do you think? I tend to leave this out.

In the other components, everything is possible.

Component 2: There is still an appointment pending with the energy consultant. Possibly we can use the Kfw loan Energy Efficient Modernization for 0.75%. Then we could increase the repayment in one of the other components.

Regarding income:
Together with partner: 3,400€ net monthly + Christmas bonus + vacation bonus + bonus
What do you think about the total installment of 950€?

Do I understand correctly that the house is worth ~210,000€ and you are buying it for ~128,000€? Is there no catch, because nobody gives anything away for free?

What would the offer be if you combine Baustein 1 and 2 in a 20-year fixed interest loan?

kfw you get the same conditions everywhere, I would inquire about the main loans with brokers. Interhyp Dr. Klein etc.

You understand that correctly. As written above, I buy from the family. My parents certainly have something to give away as well ;-)

On the one hand, you have an extremely long 30-year fixed interest period, on the other hand, modules 2 and 3 end after 10 years with about €70k remaining debt, with which something has to be done. The conditions themselves I don't find too bad, especially since the modernization costs make up a very large portion. Banks like ING have long since dropped out. Still, go to the broker once.

Component 1 does not have the option for special repayments. This would cost an interest surcharge of 0.04%. What do you think?

After 10 years have passed, you can terminate at any time -- with a certain notice period. AFAIK, also parts of the loan, present experts may correct this if necessary. At the same time, in the first 10 years you have to figure out how to manage the remaining debt of 70,000 euros at the end of those 10 years. So you will not need the special repayment option in the 30-year loan. I would also have one loan of 194,000 euros with a 20-year fixed interest period offered to me.