Is buying a house worth it for me?

Personally, without any equity of my own, that's too much for me.
Try to practically set aside this 1,200 euros for 4-5 months. If that works, and you don't have to give up anything, then go ahead.

Why 1,200 euros? You are currently paying 1,000 euros in warm rent. So you would have to correctly set aside the difference between the installment and the cold rent to see if it fits.

It’s not 1200€. It would be the difference between 800€ cold rent and 1200€. Plus higher additional costs plus reserves for maintenance. So a savings rate of about 700€/month in addition to the warm rent.

The consumption behavior is supposed to change? So no more vacations? You know how expensive vacations with children are. You certainly don’t want to do without that. Reserves also have to be built up for the car. Otherwise, a loan will be due. On top of that, there will surely be somewhat more expensive hobbies for the children soon.

Otherwise, I am optimistic, but this time I see finances/consumption behavior (which does not just change like that, loan amount as incompatible.

Insurances are also becoming more expensive or should be taken out. A house is expensive first and foremost.

Why 1200,-€? They are currently paying 1000,-€ warm rent. So they should correctly save the difference between the installment and the cold rent to see if it fits.

Loan plus all additional costs including reserves. Especially existing properties can become a money pit. Otherwise, I stand by it. No equity, high consumption, still ongoing installment loans. No go

Guys, please don’t exaggerate. One installment makes up a little more than 25% of the stated income. There are quite a few people in the metropolitan areas of Germany who pay significantly more rent (!). So where exactly is the problem here? I don’t see any unrealistic expectations like 500k for a new build with 10k equity or something like that. You do get used to the installment if you absolutely want to own a house.

Guys, please don’t exaggerate. One installment amounts to a little more than 25% of the stated income. Especially in Germany's metropolitan regions, there are quite a few people who pay significantly more rent (!). So what exactly is the problem here? I also don’t see any unrealistic expectations like 500k for new construction with 10k equity or something like that. You get used to the installment if you really want to own a house.

Because the OP is in debt and consumes. Period

I would be more interested in knowing since when the self-employment has been practiced? For several years? And is the net income nicely documented with the tax assessment notice?

Or has she only been doing it since August? Because then no bank would be able to document it (if the self-employment has not existed for at least 1-2 years, where the first tax assessment notice already exists, of course there are also possibilities if it has been running for 1 year... but that would be too uncertain for me).

Since when does the 420 EUR job exist? For at least 2 years?

Because if I only calculate with the income of 2420 EUR, possibly adding the 420 EUR, then I would advise against it here.

I would not count child benefit as income, since banks also consider the children as expenses, and that is higher than the child benefit (as in real life!).