Realistic or daydream? (Buying property without equity)

Hello everyone, before I start the marathon with banks and advisors, I wanted to hear the opinion of the experts here.

My wife and I plan to buy a semi-detached house, worth 345,000€. Including taxes, notary, and broker fees, the total amount would be 395,000€.

Equity 0€, we cannot pay the ancillary purchase costs. Since we have always paid everything ourselves and never inherited or received a single cent as a gift from our parents, it has not been possible to save that much so far. Even our cars were paid for "in cash." So we have no loans or financing running.

Who are we?

Married, my wife is 36 years old, civil servant for life. I am 32, trained office clerk and completed my IHK specialist course through evening studies. I have been with one company for 11 years, with a permanent contract. Our children are 5 and 7 years old. Because, for example, we allowed ourselves the luxury that my wife was at home without pay for 3 years due to the kids, and as I said, we have never received financial support so far, our savings amount to 10,000€. It serves as an emergency fund. Currently, we have a net total income of 4,750.00€. With a purchase, my wife would increase her working hours and we could rise to a net of 6,000.00€.

The property is, of course, intended for us to live in, ideally for the rest of our lives.

Generally the question(s), do banks cooperate with such "values" and conditions or is it unrealistic and I can save my energy?

PS: A monthly burden of about 1,200.00 - 1,300.00€ (loan repayment per month) was planned.

can work but bad idea. Better -> save up equity (this should be quite quick with that income) and then acquire property. That's how it's usually done >100% (that's it!) is just reckless and stupid..

why reckless and stupid? Since the woman is a civil servant for life, the risk is most likely manageable. It just depends on how high her [Bezüge] are.

It can work but it's a bad idea. Better -> save equity (that should go pretty fast with that income) and then acquire property. That's how it's usually done >100% (that's it!) is just reckless and stupid..

Why a bad idea? If I save, for example, €1000.00 per month as suggested, then after 5 years I would have the ancillary purchase costs covered and a little more. Who knows what will be in 5 years? Except that we will be 5 years older. Interest rates, prices, no one really knows exactly, right?

I know how it is usually done, you get told that everywhere anyway. But why should I fool myself or lie to myself. Then the facts are what they are.

why reckless and stupid? Since the woman is a tenured civil servant, the risk is most likely manageable. It just depends on how high her salary is.

Well, her salary will probably always be higher than mine, unless I’m still working when I’m 150 years old She is in pay grade A13, I can only dream of that That means with a full position she will always be the one earning quite a bit more. From the current point of view.

Read so far a lot can and could, may I ask why? So which points are negative except for equity = 0€??
Burden too high? Income too low?