Good offer for a young family? Buy yes or no

Your parents know you very well. Let's see what they say.

we actually wanted to go on vacation again after 2 years

You can also do a house swap vacation via, for example, Homelink, maybe an Italian family living on the Adriatic would like to vacation in Bavaria? The whole thing even includes insurance. Toys would already be available in the holiday house, enough beds as well. So you would only have to pay for fuel and incidental excursion costs.

Very reflective attitude. But of course still a pity if it really wouldn't work in the end. Maybe quickly ask an independent loan broker. They often provide different information than what you get from the house bank.

Well, not to mention the future... What happens if there really is a wave of bankruptcies and houses are sold, then everything loses value... That’s all the question...

The current crisis does not affect the professional sectors that own houses, especially not in the Munich area. It was quite different during the financial crisis from 2008. Compared to that, the current crisis is relatively harmless.
Calm down, not much will happen.

I would also understand if you decide not to proceed because of a bad gut feeling. But with the next interesting house, it certainly won’t be any cheaper and you will then be one among a dozen interested parties competing in bidding and racing for the fastest financing commitment...

If you get along well, you can certainly talk about "eine Art Mietkauf". The house then isn't completely useless and is maintained. For about 10 days a year, you can offer the owner "Obdach" :D This way you can also test your savings potential :)

Yes, I am curious about the opinion of our parents. I mean in a personal conversation.

A kind of rent-to-own is not possible. He is basically waiting for a couple that he “likes” and then it gets sold. He doesn’t want to be involved much, which is why most of the neighbors do it that way.

Nail care for 50 € per month has to be feasible. In this case, it has nothing to do with luxury, but my wife is really very devoted, gives up so much, hardly buys anything for herself, and that is actually the only thing she allows herself each month. So she would agree to that – but sorry, I would never bring it up, because otherwise she really has no luxury or anything like that.

And if you are not allowed to treat yourself for 50 €, then something is just not right ^^

The goal would be to have equity of 150,000 € in 10 years, but starting from our 35 €. That would actually also be roughly the additional costs we would have if we bought the house. If that is not realistic, then such a house is not an option.

But first, I have to try whether we can save 11,000 € per year, for example. If that doesn’t work, then the house won’t work either. Simple calculation.

And now calculated upwards... 430 € is the net purchase price, in 10 years 30,000 € for heating, now at least 10,000 € for renovation beforehand, plus incidental costs.

I need a buffer in case something breaks. At least 10,000 € on the side. So at most 20,000 € can be taken from the equity.

We are talking about 105% financing and a significant change in life circumstances. A tight week of consideration time is really far too little for me.

But as I said, much depends on my Sparkasse advisor.

And if I don’t do it but start saving properly...

sure, that would work for us. ^^ But there is more to clarify than that.

So, I’m done with all the overthinking for today. Now I’m going to build a snowman with my son :)