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

Marginal employment and minor self-employment; marginal earnings threshold[/B][/SIZE]
(1) Marginal employment exists if
1.
the remuneration from this employment regularly does not exceed the marginal earnings threshold,
2.
the employment is customarily limited by its nature to a maximum of three months or 70 working days within a calendar year or is contractually limited in advance, unless the employment is carried out professionally and exceeds the marginal earnings threshold.

I think sentence two fits construction helpers perfectly...

employment within a calendar year is usually limited by its nature to a maximum of three months or 70 working days or contractually limited in advance, unless the employment is carried out professionally and exceeds the marginal employment threshold.

Well, if I have an assistant who knows about electricity, then as a rule he does not only do this marginally, but does it throughout the whole year and additionally with me.

Thank you for all the answers. I was more concerned about how detailed the bank wants a breakdown of the modernization. The bank may want to have a statement in advance, and we cannot do that in detail due to time constraints. For that, we would need an official offer from all the craftsmen. We want to have the notary appointment within the next 3 weeks.

Regarding the calculation: I just finished it.

You can simply have a calculation prepared by the architect. It requires little effort - but is relatively expensive.
That’s why I decided against it.

This is how I proceeded:

First question: What needs / should be done? Accordingly, list the individual trades such as roof, heating, painting, flooring, etc. in Excel.
Second question: How much does it cost? Then read up online on the topics, made estimates of the costs to the best of my knowledge and conscience, and then extrapolated the whole thing based on quantities / areas (you surely have the plans, e.g. parquet 100 € / 100 sqm = 10,000 € etc.).

For the biggest items like the roof, I obtained 1-2 quotes each: You won’t get around this and it also makes sense: Not just for the bank, but for self-protection. The bank explicitly required this from me, really only for the 2-3 major trades. Just call the craftsmen and tell them to make rough price offers based on the plans / info. With some, you will wait forever, but with many (at least here) you get something within 2-3 weeks. Or meet them on site.

Then I added a flat buffer of 15,000 € and left 1,000 € - 2,000 € margin in the individual items and went with the offers and my Excel to a friendly architect, who critically reviewed it again and gave me a stamp with a signature on the calculation. If you don’t know one, call someone and ask if they will review the calculation for half a day’s fee. You will find someone.

I think sentence two fits construction helpers perfectly...

That covers seasonal workers, strawberry sellers, or asparagus pickers.

We have budgeted 100K for renovation/modernization, after a brief overview we are approximately at 50/50 (renovating - which may not be accepted by the bank, and 50K for renovating/modernizing - value-enhancing).

What would you do, any ideas? Also with regard to personal contribution and the loan-to-value ratio (this can have a positive effect on the loan, right?).

If I don’t have to take out the 100K or 50K, I save at nearly 4% interest currently... mistake in thinking?

So, should I include 100K or 50K in the financing or cover these costs from equity (since that is more flexible)?