New rate twice as high - experiences

I have been keeping Excel sheets for years with all kinds of lists, calculations, etc. :) So I already have a good overview :)

Double burden etc. is not a problem at all and has already been "calculated"

The house needs to be renovated. Bathrooms, floors, kitchen, terrace, a few windows. I have calculated generously with about €120,000 costs. Budget would be €135,000. Many trades are available within acquaintances. I am not dependent on professional companies / official craftsmen

Current "assets" look like this: Just under €30,000 of which about €16,000 is liquid. The rest are ETFs, crypto, a few stocks
In addition, the second car would be added. Market value €28,000 (1 year old). Main car is a company car with private use

Then there is something in the back of my mind, which I do not count on, but is just there in the back of my mind. My wife and I will inherit before retirement. Each proportionally (siblings) 2 condominiums. Currently, that would total about €180,000. That also provides peace of mind with regard to the future.

I have built and compared the calculations of the condominium versus a single-family house exactly the same way in Excel as we currently live. After all deductions, savings, etc., about €1,200 remain for "living expenses". That would remain the same with the single-family house as well. There would just be less saved.

Are the renovation costs already included in the rate? If yes, I find the burden absolutely normal nowadays

Are the renovation costs already included in the installment? If yes, I find the burden absolutely normal nowadays

unfortunately no.. One has to say, the installment has increased by over €150 in just under 4 weeks. Those are simply the damn interest rates... We are now financing €270,000 at 4.35% for 15 years.

Where will you then be with financing the renovation? In the range of 3k?

unfortunately no.. You also have to say, the rate has risen by about €150 in just under 4 weeks. These are simply the damn interest rates... We are now financing €270,000 at 4.35% over 15 years.

Does that mean that in addition to the rate of 2400, the rate for the renovation would come on top?

Are we talking past each other? :) Sorry, I expressed myself incorrectly there The house costs €2400 per month in pure installments. The renovation will be done from the profit of the condominium. That's what you mean, right? Maybe a bit more concrete: The condominium is sold for €500,000. €310,000 is still outstanding there. that goes as a pledge swap over to the house. there it is €1026 at 1.5% plus the installment of almost €1380 for the new €270,000 at 4.35%