Is a personal loan for buying a house sensible?

I also wondered why the house value does not increase accordingly after the renovation. 121% loan-to-value... you don't achieve that only through the ancillary costs, which in the worst case may be about 15%. Many ancillary costs refer to the purchase price, and since a renovation is still planned here, they do not relate to the full amount. Or am I misunderstanding, and by renovation only "cosmetic repairs" are meant? I had mentally assumed a certain modernization of an existing building.

I would also pick up on Tassimat's objection, the installment is not a problem, but so far you haven't been able to "save" anything?