Advice: Just take a deep breath and relax. In your situation, there really is no question of whether you can afford it.
Cheap house (not meant negatively), reasonable equity, extremely secure job.
Look at it this way: With 1% interest and a €135,000 loan, you’re basically paying a cold rent of around €110 (= interest). The rest is forced savings/retirement provision. Can you live so cheaply in your current apartment and save that much for your retirement?
Aside from that, a small remaining debt is absolutely no problem if you want to have more money available for living now. No matter what you want to do, you can afford it and get it financed at any bank.
Thank you ..... yes, you’re right.... I should really take a deep breath and relax!!! :D
Basically, I see it exactly that way and calculate it like that too. But the uncertainty is big that at some point maybe bigger, unforeseeable expenses will come up, and that I won’t be able to handle them anymore.... all on my own and far from any craftsmanship skills :p