Purchase opportunity single-family house from the 80s - risk?!

maybe someone can contribute a few critical words about our financing situation .. thanks

Do you think the renovation costs are sufficient? I can't really assess that, but the items listed above don't sound insignificant to me, and if the 100k also includes the kitchen?? But I really don't know. Look at the building savings contract to see what the repayment installment for the loan is. Although the interest rate there is probably lower than what you're currently getting elsewhere, they often have a higher amortization included, which means the installment is often still not negligible. It only makes up a smaller loan amount here, but my point was, don't forget the installment in your household budget. Overall, I find it hard to assess right now. I would probably have it calculated in a few different scenarios and see what you come out with. And otherwise, also make a current household statement for yourselves / analyze how much money went where, how much you saved. E.g. if you currently paid 400€ rent and saved 500€ every month and the rest was wasted, then I think a 2500€ installment is suicidal. So: take an honest look at the last year, how much you spent on what and how much you saved. Don’t dismiss all one-off expenses with "yes, that was just 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 if the installment could work for you. Edit: In the home financing section there’s a questionnaire that’s supposed to help with the assessment, you could at least fill it out for yourselves

Have you received any feedback from the bank and the seller yet? I personally consider €2500 quite a hefty amount. How much budget for renovations is included in that now, and what is your detailed cost estimate?
Is your current savings rate around €3000 minus rent per month? In other words, can you comfortably afford the €3000 monthly just for housing? Considering that owning property was not so important to you in previous discussions, this looks a lot like FOMO. Are the jobs secure enough?

What was your "previous"(TM) approach for the monthly rate? €1600, €1800? I think it’s very important to soberly ask yourself why you suddenly want to spend 50%+ more monthly when you previously had a very different pain threshold?
Personally, the rate would be too high for me given your income, and the price for the property with the current interest rates is ultimately too high as well. Then there is the question of renovation/refurbishment – €50,000 can quickly be spent additionally, because once you start, you usually want to finish properly. Or are you tinkering craftsmen who like to live on a construction site for several years? Then it looks different. But do you then have enough money left over to continuously save the missing capital in parallel to the rate? In other words, do you still have a significant savings rate?