House found - financing possible?

Because my wife insures her car separately.
Thanks for the hint about the residential building insurance. Is there a rough value for that?

Because I have a large car (75k BLP), she has a small one.

I would calculate with 50/month.

That was clear to me already. I just wanted to show you that there is potential to save. For me, paying off the debts was always more important than an expensive car. If your employer wants to do something good for you, he should give you a company car and not an expensive lease rate.

I consider a third appraisal to be nonsense. Even in good times, every appraisal is just an estimate, and in the current situation, with volatile interest rates and political uncertainty, this is especially true. An appraiser can be used for the structural condition, but after 10 years, there should hardly be anything to find.

A pure value appraisal is nonsense, that’s correct. Back then, we had an appraiser who assessed both the condition and the value together. This was accepted by all banks as well.

What I don’t understand is: how you on the one hand present yourself as someone who only spends money that is already there, but on the other hand have to pay back 1.5k monthly for loans. That sounds contradictory to me.

I have no other way to acquire property than to repay long-term loans.

Your 1500€ loan is misleading in the table. It reads as if you still have to pay off a loan at the moment.

Because I have a large car (75k BLP)

Well, that doesn’t have to be, right? You can lease very good cars for 300/350€. A small car with an electric badge can sometimes be had seasonally for a hundred.

otherwise he gives it to a realtor

Is there currently an online ID where you can get an impression of the equipment?

I find all of this very solid and definitely doable. It was quite similar for us, and we are also very safety-oriented.

After the elimination of daycare costs (from age 3 it is free in NDS, so only the meal money remains), you have even more left over. Of course, children cost increasingly more, but your wife might be able to work more again in a few years? Or is another child planned? Then I would plan that out once. During my parental leave extension, which I then had to lengthen beyond the parental allowance because no daycare place was available (legal entitlement or not), we had significantly less money, but that was foreseeable and therefore manageable.

Normally, I would also say at least switch her to a cheap small used car that is paid for in cash. But you don’t necessarily have the money for that right now, and since our cash-paid used car just came out of the workshop, I don’t think leasing modern vehicles is such a bad idea at the moment...

For that area up there (I roughly come from that direction) I find the price okay. You are probably too close to OL to find something (still) cheaper. I would do it if the house is right for you.

(...)
Well, that doesn't have to be, does it? You can lease a very good car for 300/350€. You can even get a small car with an electric license plate seasonally for a hundred.
(...)

What for? Who benefits from the additional 160 EUR if you end up with a tiny beater you can't even take on a week-long vacation?

Is there currently an online ID where one can get an impression regarding the equipment?

Is being sold privately. But there should still be plans.