First home financing for house purchase - short-term and at a loss

My Dr. Klein appointment was moved up ... Now I have concrete numbers: 180000 for the house + 10000 for the basement + incidental purchase costs - equity of 20000 = loan amount 185000 € A regular annuity loan was proposed. KFW 50000 at 1.59% fixed for 10 years and 25 years duration Then 135000 from a "well-known, large bank" (of course they didn’t reveal which one exactly at first, so you don’t go there right away) at 2.5% fixed for 20 years with an expected duration of 24 years. 3% repayment makes 822€ monthly from the 2nd year (1 year repayment-free KfW) They also briefly calculated the monthly costs for me, according to which after operating costs of the house + living expenses of around 1100 € and interest + repayment we would still have 500€ "left over" per month. Seems a bit odd to me now ... How would you rate this?

PS: I have one more point that bothers me: The offer states "No special repayment option for repayment rates greater than 3% or interest rate lock-in periods longer than 15 years, with a surcharge of 0.1% for 15 years interest rate lock-in." That means to me in plain language: I have no option for special repayment. However, the employee from Dr. Klein told me that I still have the option for special repayment up to 5% of the loan amount, but I would have to apply for this separately with the respective bank. Well... that of course makes me a bit suspicious when it says "not allowed" on paper and I am told "yes, it is allowed." Does anyone know more precisely about this?

But then there is no loan included for the renovation?!

Regarding the special repayment: it only makes sense if you expect a good extra amount annually that you also have available for the special repayment. I don’t really see that with a used house combined with your income, since, as mentioned, you also have other expenses to cover, where, for example, Christmas bonuses or similar are better kept in the account so that you remain liquid for dental treatments, car, relaxation, and clothing – also with regard to children.

PS: I have one more point that bothers me: The offer states "No special repayment option for repayment rates greater than 3% or interest rate fixation longer than 15 years; for 15 years interest fixation, the surcharge is 0.1%" That means to me in plain language: I have no possibility for special repayment. However, the employee from Dr. Klein told me that I still have the option for special repayment up to 5% of the loan amount but would have to apply for this separately with the respective bank. Well ... that of course makes me a bit suspicious when it says "not possible" on paper and I am told "yes, it is possible". Does anyone know more about this?

Ypg already says no renovation included. Otherwise Dr. Klein is good, I am surprised by the strange offer and separate application. Does the special repayment cost extra? Have you already visited your house bank or another broker?