Is buying an apartment recommended because of low interest rates? Please advise

Hello everyone,

I have the following problem and I am slowly losing track. First, I will describe my situation.
A few years ago, my then business partner filed for personal insolvency (GbR). I was left with the option to do the same or to bear the entire debt. I decided on the PI. Now it has been completed for a month and I am debt-free. However, the entry remains in the Schufa until 31.12.2016.
Now, due to the low interest rates, we want to buy an apartment after all. I think I currently won’t get a loan from the bank (or maybe I will?) and have to wait until 2017 and until then increase the equity. But how can I secure the low interest rates until then?
Regarding our circumstances:

My wife (36) works part-time (at a bank but in a non-banking department) annual gross: €27,000
I (34) work as an engineer: €63,000 annual gross
2 children: 9 and 6 years old
Equity approx. €5,000 but can be increased via parents.
Currently renting: approx. €800 warm
Can currently save approx. €1,000/month.
No life insurance/Riester/piggy bank contract etc. so far.
Desired loan: €200,000-300,000 repayment as fast as possible.

What would now be the most favorable option for us?
Building savings contract for 5 years with €1,000/month. With Riester or without?
Forward loan (can I even get this currently) and invest €1,000/month? If yes, how?
Or split?
Are there further subsidies?
I have read that the government wants to make housing Riester more attractive. Has anything happened about that yet?
Other options?
I am slowly losing track in the jungle of calculators and comparisons.
Does anyone know a site where I can enter my data and have various scenarios calculated?

Thank you all in advance for your answers.

Hmm... nearly 500 page views and no response. Is it too tricky or did I do something wrong?

Regards

Hm... almost 500 page views and no answer. Is it too tricky or did I do something wrong?

Regards

Probably too general, combined with the Schufa entry.

There are no financing professionals here, but mainly builders. It is best to go to one or several financial advisors, banks, credit brokers and get independent advice. They can then tell you more about what is possible with your Schufa entry and what is not.