Financing / Single-family house purchase with or without renovation

Fortunately, the electrical system has already been completely renewed in the past few years. So at least in that regard, there is some peace for now.

I was also considering solar thermal energy but am currently very uncertain about it, as it apparently might not be very worthwhile.

Nevertheless, the plan initially looks like this:

Next week, I will contact 2-3 painting companies for quotes regarding the facade and also 2-3 heating installers/technicians just to get an idea of what a replacement (oil condensing boiler) with all the extras would concretely cost. For the latter, I will additionally ask about a variant with solar thermal energy.

Once I have concrete numbers, I will consider how to proceed.

Bathrooms are a tricky issue. The guest bathroom can easily just stay as it is. The other two are actually already OK, not modern but acceptable. Only the color of the tiles is... well...
In any case, a simplified bathroom renovation could possibly be done, i.e., just replacing the tiles, for example... not sure yet. I just didn’t want to spend an additional 10k per bathroom. Then I would almost rather invest in other things like heating, etc.

I can understand that bathrooms are important to oneself regarding appearance and comfort, etc., but I am not sure if one might not just get used to it first...

We’ll see, I will take a closer look at everything and weigh it up again in the next few days.

Only the color of the tiles is... well...
Anyway, one could possibly carry out a scaled-down bathroom renovation, i.e. just replace the tiles for example... not sure yet.

If it's only about the color of the tiles, I recommend simply painting them. You can do that yourself easily and you get an "almost-like-new" effect. Among other things, because the grout lines also become nice again. For a normal bathroom, you’re looking at about €300.

This can also be done after moving in without much dust and dirt.

yes then just if you know that investments have to be managed in 3-5 years, conclude a building savings contract in parallel

The building savings contract could be a clear loss-making business due to the closing fee and account management.

Just talk to the bank.

The tip about canceling is a good hint, I hadn't thought of that at all.

A building savings contract would certainly be an option, but I have heard a lot of negative things about it so far.
But there are other possibilities as well.