Purchase an existing house. Please evaluate the offer

In addition, estimated renovation costs of €115,000 are expected, of which €15,000 should be contributed as personal work. The ancillary costs amount to a total of €42,594.

How much buffer is available?

Component 3: General consumer loan (AVD)

What is that supposed to be for? Actually rather an instrument when there is little or no equity. But €50K + €15K personal contribution should rather make that unnecessary.

Further information is based only on verbal statements: The allocation apparently takes place at 30%, the interest rate after allocation is apparently around 2%.

No, nothing verbal. And 2% nominal interest? Effective? Apples / pears? What is then the minimum rate for the building loan?

Building savings contract loans are actually designed for quick repayment. On average, the loan is paid off in 10-15 years for this type of loan.

Assuming 15 years and 2% effective. Then the rate for this component alone would be about ~€1700 monthly. At 2.5% about €1750 monthly!!!
No wonder that part is only verbal

And you still haven’t gotten rid of the €100K AD.

Actually, the advance loan and the timing of allocation should also match better.

The whole thing looks a bit like someone played with the provision cube. In any case, ask other banks or brokers.

Bauspar contract loans are actually designed for quick repayment. On average, within 10-15 years, the deal is done for this type of loan.

Most Bauspar contracts I know just manage to reach allocation within this time and generally run for 25-35 years in total. Otherwise, in my opinion, a Bauspar contract doesn't make sense, since for 15 years of interest rate security, you can already get decent interest rates for annuity loans.

Most building savings contracts I know just manage to reach allocation in this time and run for a total of 25-35 years.

Correct.

The 15 years only refer to the actual loan portion of the building savings contract. On top of that comes the saving phase. With its 15-20 years saving phase, it is exactly at your 25-35 years.

The OP had a large amount that would go into the loan portion of the building savings contract without having a clear idea of what would happen then.

Somehow such a property has to come from somewhere, unfortunately they are not falling from the sky at the moment, you also have to make compromises, ergo renovate a house now so that it fits.

The rate you want to pay I also find understandable. If you were to buy a new house for the same price, you probably wouldn’t have any problems financing it...

For what you are planning now, unfortunately you have very little equity. It would be better for the conditions if you could at least pay for the modernization yourself.....ok unfortunately it’s not like that ... that you have saved so little at 35 and with the desire to buy with a relatively high salary unfortunately cannot be changed now.

Under no circumstances would I accept an offer where you have 4 (!) different loans running, nobody can keep track of that anymore.

Get advice from several banks, I have even noticed very big differences at the same bank, different advisor/ different branch... an independent financial broker can sometimes also offer quite good conditions....