House purchase / financing possibly feasible?

A tip: Make a detailed list.
Approximately 600-1000 € for activities/clothing/prepayment/car is not the world. And the figure of 600-1000 (75% difference) is already horrendously high.

Calculate exactly. There should be 600-1000 € left for:
- Car (service, vehicle tax, all x2)
- Vacation reserves
- Repairs of major appliances
- Clothing (150-300 euros are often spent)
I find that way too little.

Thank you, then we can probably forget about it for now and should continue saving.

Why?
You have a 4,300€ net household income + special payments (how high are they?).
From that, 1,100€ goes towards the installment. That leaves 3,200€ for ancillary costs and living expenses in total. Where is the problem? Can’t you manage with that (and the special payments)?
You have no equity, that’s true. But you only want a small loan with a moderate installment anyway.
Honestly, I wouldn’t even discuss this here, just get it done quickly!

Special payments range from 0 euros up to 8000 euros depending on turnover. What is certain is a 13th salary and 1500 euros vacation pay. On the one hand you are right and on the other hand I do get a bit of a stomach ache with such an amount (I think that is also normal). Sure, we manage well with the rest. And if something were wrong with the house, I could do 80% of it myself. What do you have left for free disposal when all costs are covered?

What do you have left for free use once all costs are gone?