Financing with or without planned renovation?

Ah ok, thanks for the info! We were probably lucky to have been just early enough.

Hm. You have 32,000 EUR equity, child 2 is on the way and you want to set aside 20,000 EUR by 2026, even though the woman will then be on parental leave and you have to finance one more child... If that works... why do you then only have 40,000 EUR equity?

Much more important is: You buy the house, move in and don't have to do anything? No new furniture, no fresh paint on the walls, etc? Move not through a company? You can easily spend 10, 15,000 EUR when furnishing a house, you will surely expand?

What kind of installment do you get with 100% financing and 460,000 Schurken? According to the rule of thumb, you should have a 2,600 EUR installment with 6,500 EUR net, leaving 3,600 EUR to live on. With 2 children, there is not much left to save for later renovations in the mid five-digit range...

You would have to look at the house to be able to say anything. If the roof is thick, why should it be insulated? How many liters of oil did the previous owners consume per year? Hot water then at each point of use separately or centrally via boiler? But basically, I wouldn’t let myself get crazy about the energy topic. It can all be solved if you want. The building fabric for this year of construction would personally give me more headaches.

I would like to briefly point out that in 2027 the CO2 pricing will be changed and prices could rise to up to 200, 250 EUR/t. This will have a strong impact on heating oil prices. Those who have an oil heating system now have to accept it. But to get one specially and then in an uninsulated house is something else. A new LLWP is then simply nonsense, something you use in KfW40+ houses...

And hot water with electricity, with small children constantly bathing... it couldn’t get more expensive.

However you look at it... if you want to install a heat pump, you will have to insulate. And then 5 decimal places will no longer be enough.

You buy the house, move in and don’t have to do anything? No new furniture, no fresh paint on the walls, etc.? Move not through a company? Setting up a house easily costs 10, 15,000 EUR, you will surely expand?

I basically agree with you that the whole thing should be recalculated five times because it seems to be on very shaky ground, but regarding the quoted paragraph, I wouldn’t paint such a bleak picture. It might actually be possible to just move in and reuse all the existing furniture or take over individual pieces from the previous owner or something like that. That was the case with us. Apart from about 2000€ for the moving company, we had no costs around the move (excluding small things like water for a really thorough cleaning or similar). But of course, it is not wrong to point out to the OP to honestly look at their own situation.

I am not painting a gloomy picture; I am pointing out that this is something worth thinking about and discussing. Because in the rosy world of a newly purchased house, one all too easily forgets that even the little things can add up to significant sums. Usually, when moving from a rented apartment or condominium to a house, one tends to significantly upsize...

And can you please stop with this doom-and-gloom annoyance? I am pointing out that this or that cost trap exists... namely because it almost drove me to divorce myself last year, well, in the past few months...

Because with "gradually," especially for women, it is quickly over once you have moved in... you have to talk about it beforehand so that no one ends up bitterly disappointed later...