Property in good condition financable?

First of all, thank you very much for the numerous replies in such a short time. I have dealt intensively with the topic and have to admit that the property is indeed more expensive (currently 500,000 euros). Nevertheless, I am optimistic that the price could be reduced by about 10%, resulting in an amount of 450,000 euros. My interest in moving in is not only based on the already existing kitchen, but also on the overall impression I have gained. As already mentioned, electricity costs would be completely eliminated, so these do not occur in the additional costs. In addition, the gas boiler was renewed 2 years ago and the windows are triple-glazed, etc. There are not many people who completely renovate a property in the six-figure range a year ago and then offer it cheaply. I have theoretically calculated the remaining additional costs and come to about 300-350 euros per month. I am aware that the total costs will probably be around 2,700-2,800 euros warm. We are still considering, but I am quite optimistic, since I finally work 100% in the home office and the house offers me more than other things. On Monday I have an appointment at the house bank, Commerzbank, and then at Interhyp. I am curious about the outcome. The interest rate varies between 3.7% and 4.2%, depending on the repayment rate.

A change would not only open up the possibility of a company car but also increase my salary by at least 20%. Currently, I work in a large corporation and appreciate that very much, even though advancement there is more difficult than in a medium-sized company. However, I would say the workplace is more secure. We also have a very good company pension plan, which pays out a year's salary plus an additional sum in the event of death or permanent inability to work. This is also a reason why I currently like to stay there.

It depends on the company car policy. In many companies, the company car is all-inclusive. So you only have to pay tax on the monetary benefit and can drive however you want (especially with pure home office, it stays at 1% – imagine a nice fully equipped ID7 parked outside your door as soon as the Growth Opportunities Act is passed and be happy to be mobile for a maximum of €90 per month. Or a GLC 300de for €250 per month.). Of course, there are also plenty of companies that still require a contribution from the employee. Then you have to do the math.

This is a comprehensible calculation.
My salary currently increases by about 5-7% per year (through collective bargaining and private negotiations). At the moment it is €54,000, which with an increase of only 5% over five years amounts to about €69,000, which corresponds to a net income of €3,500.
My wife, with her current income (which will still increase until that time) of about €60,000 gross per year, corresponds to approximately €40,000 net at 66.6%, which corresponds to a net income of €2,240.
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Have I overlooked something, or is my calculation correct?