Good offer for a young family? Buy yes or no

So hi guys, my initial hype has now somewhat faded and I am a bit down to earth

I think it's good that you are reflecting and in the future you will go through life with different eyes. On the one hand, I think if you are lucky and for example could get the [Aktion 30 für 15 Finanzierung] from Bayerische Hypothekenbank, the house should be possible. I would talk to the seller to see if he would wait that long, the promotion could be back in February. The house is certainly not a mistake, but what does your wife say when (sorry for beating a dead horse) there are no fingernails left and she has to prepare your lunch every morning and you have to plan your expenses precisely? On the other hand, the fact is unfortunately that your combined income is currently and for the next few years so tight. You live nicely and cheaply, even have a garden, vacations are possible. I would get a [Bausparvertrag] and secure the low interest rates and then see what happens next.

How about a kind of hire purchase?

How about a kind of rent-to-own?

That is a great idea

save 150k in 10 years and then buy a little house for 1 million....

I stick to my opinion... Buy!

How is he supposed to save 150,000 in 10 years?? That’s 15,000 per year. He himself said that a new car will probably be coming soon, there should also be a vacation once in a while, heating with question marks etc. So we have a significantly more relaxed situation and still can’t save 15,000 a year.

As I said, he is not selling out of necessity, but because he realizes that coming only 10 times a year, the house, especially UNHEATED in winter, gets more damaged than it benefits.

Is "some kind of rent-to-own" possible?

Is "some kind of rent-to-own" possible?

Addendum: Did not see the previous post in time, apologies.