Do you think the renovation costs are enough as they are? I can't really judge, but the items listed above don’t sound that minimal to me either, and if the 100k also includes the kitchen?? But honestly, I don’t know.
Check the building savings contract to see what the rate is for repaying the loan. The interest rates there are probably lower than what you’re currently getting elsewhere, but they often have higher repayments built in, so the rate often isn’t easy to handle anyway. Here, it only accounts for a smaller loan amount, but my point was, don’t forget the rate in your household budget.
Overall, I find this hard to assess right now; I would probably have it calculated with a few different scenarios and see what you end up with. And otherwise, do a current household statement for yourselves as well / analyze what you spent how much money on, how much you saved. E.g., if you currently had 400€ rent and saved 500€ every month and the rest was wasted, then I consider a 2500€ rate to be suicide. So: honestly look at the last year, how much did you spend on what and how much did you save. Don’t just dismiss all special expenses as “yeah, that was only this year!” (yes, most people don’t buy a new car or go on a world trip every year, but there’s always something) and then see whether the rate would work for you.
Edit: In the mortgage financing area, there is a questionnaire that is supposed to help with the assessment, maybe you can at least fill it out for yourselves