Is home financing possible like this? Alternatively, save equity for a few years

I would say you need to ask yourselves a few questions:

Do you really want to live in your own house?

Have you really already checked enough banks to find the best offer for you? Maybe go through a financial broker?

Does it really have to be a loan with a 34-year term? Or can it be tiered into loans with follow-up financing?

As mentioned, it is not specifically about this offer. Of course, it can also be financed differently.

With less fixed interest period and corresponding residual debt after expiration. But in principle, that does not change much about the monthly rate of 1100. Therefore, you would still have a rate of just over 1000 euros if you stick to at least 2% repayment - which is not a big difference in my opinion.

was jetzt kein großer Unterschied ist

Well, almost 10% or 1/10... that's something

As I said, it’s not specifically about this offer. Of course, you can also finance it differently.

With less fixed interest period and corresponding remaining debt after expiration. But essentially that doesn't change much about the monthly payment of 1100. That’s why you would still have a payment of just over 1000 euros if you stick to at least 2% repayment – which in my opinion is not a big difference.

But it does depend on the model. In our case, the chosen model made a difference of €300 per month. In addition, it seems that every bank has its favorite models and markets them accordingly, including with good conditions.

Yes, I understand that, but with the loan amount, the available equity, and a minimum 2% repayment, I won't be able to get 300 euros from any model without having a huge remaining debt.

And I want to deliberately start from the rate of 1100 here and see if it's possible, because that's the upper limit. It can certainly be cheaper, but nothing will change dramatically with any financing model.

It makes no sense to calculate with hypothetical values. You need a fixed offer. And who says you absolutely need the entire term fixed. Maybe a 20-year term is enough and then refinancing the remaining amount. The interest saved in the process can be significantly noticeable.