Ground lease building plot experiences?

The oil heating system is from 1991 (ob es das besser machen ..)

Sounds like nonsense to me. Over 600k (including necessary renovations) for a house over 60 years old without land. I don’t even want to imagine the lending value. It’s questionable whether you’ll get a reasonable loan at all. If the church doesn’t immediately extend the leasehold when buying the house, I’d be out right away. Then in 20 years you’ll try to sell a house with 20 years of leasehold remaining. That will probably be a hard sell. In your other thread, you wrote that you’re only looking within a 5km radius. Are you still sticking to that? Which area are you roughly from?

Sounds like nonsense to me. Over 600k (including necessary renovations) for a house over 60 years old without land. I don’t even want to imagine the loan-to-value ratio. Questionable whether you’ll even get a sensible loan there. If the church doesn’t extend the leasehold directly when buying the house, I’d be out immediately. Then in 20 years you’ll try to sell a house with 20 years left on the leasehold. That will probably be a hard sell. In your other thread you wrote that you’re only searching within a 5km radius. Are you still sticking to that? Where roughly are you from?

Yes, we are still sticking to that :) we come from southern Lower Saxony

The house is from the late 60s, has the standards of the late 60s: so insulation, oil heating (gas connection is already available), windows - should / definitely must one do that?

Here for the pros :)

I find the topic poorly placed in the leasehold topic. This belongs in the renovation forum

I find the topic poorly placed in the ground lease forum. It belongs in the renovation forum

I find it appropriate, as the renovation costs are directly related to the decision of whether we want to take on the "risk" of a ground lease. So if renovation is largely necessary, then we definitely would not buy it. So without the ground lease, I totally agree with you (then I would be "okay" with higher renovation costs).

We are currently interested in a single-family house (desired location) but with leasehold (church approx. 180 euros p.m. - about 40 years remaining). We are torn back and forth... since we have been searching for a while, many ideas come to mind :)
We are attracted by the location, but the house was built in the late 60s, worn down (everything is at this standard, but solid construction) - costs approx. 500K

Now to the consideration:
Consciously sell again after about 20 years, keep the monthly burden low and only renovate / modernize the essentials approx. 100-120K (if you wanted to bring everything up to current standards approx. 180-200K - that wouldn’t be worth it to us overall)

Nonsense or realistic?

What does about 40 years mean? To my knowledge, the leasehold must be interest-free for repayment 10 years before expiration. Do you have a corresponding financing plan that can achieve this?
And do you have a lot of equity to keep the loan on the short leasehold as low as possible? Otherwise, you will have to enter renegotiations anyway & start at today's conditions. Even then, there are requirements for the maximum possible loan-to-value ratio; I know a maximum of 80%.

Talk to the church about the details – they will surely present a corresponding offer for a new contract. In my opinion, the remaining term is too short for your plan.
With still 60 years remaining, this would be somewhat different. Who would pay you much for a not truly renovated house in 20 years? The ground is gone, and without core renovation, the house will then be worth nothing more than book value.