Is buying a house worth it for me?

I just can't get out of my head that I will pay a cold rent of €800 for nothing for another 30 years (without rent increase).

Nobody says that! Start saving. Do you want to mow the lawn only in the 5th year and also sit on the terrace?

No one says that! Start saving. Do you want to mow the lawn and also sit on the terrace only in the 5th year?

No, of course not, but what is a realistic amount that I should save?

What is realistic for you, you have to calculate yourself. In my opinion, you do yourself no favors with a 110% financing. The bank advises: 30% Exactly these additional costs also come on top, which you have to have available. If not, life will not proceed satisfactorily, you will become cranky, additionally finance some expensive furniture and thus exactly what you do not want will mushroom: private bankruptcy. Buying a house has to be possible, just like any other purchase or vacation.