Sell the parents' apartment and buy a house with the parents

So, we already have two cars, but we only have one "luxury hobby"
What do I have to google to find a financial expert!!??
That's what it was about...
Well, we have already found one or two "usable" houses here using the Blau-Orange24 search engine... but we searched for ourselves, without parents...
for 160,000 to 200,000... of course no luxury villas... but I wouldn't call it a wreck either
(More like our current apartment *grumble*)
We have a cold rent of 330€ and sometimes we had 650€ left per month,
due to the 200€ that went to the parents and some special purchases last year, not much was left.
But what I also consider important... is that there is still more financial potential... salary increase...
but as I said... what do I have to google?

Oh, about the topic of renting: As I said, we can't find anything!!! 3 years of unsuccessful searching... or we could have an old building apartment for 1100€ warm...

I think with the budget you can already create a financial plan for a house. But for new construction, the size is not enough to include the Eltis. An existing house of that size and in the desired area, you first have to find that. In the end, it does not necessarily have to be cheaper – because there are often many renovation costs that the seller likes to conceal. Nevertheless, in your position, I would take a look at what is available on the market and whether the selling prices of desired properties are near your budget. For the upper limit, just ask the bank where you are a customer.

In principle, it should be feasible with your current income, although as far as I know, prices for used properties in Hessen (according to your profile) are not particularly cheap either (but it may depend on the region), and you will need something a bit larger (according to your preferences). In which area exactly do you live? Based on your rental situation, I suspect in the vicinity of Frankfurt or Wiesbaden. Then buying would be expensive.

I would like to explicitly point out one statement by Der Da again - I feel it has been somewhat overlooked:

Keyword children's room: If children are planned, I unfortunately see a bleak future for you regarding house purchase. His salary is not enough to compensate for everything.

You are young and will certainly want to have children at some point. If you are only just able to make ends meet now (barely getting by), losing one income would hit you so hard that you could no longer service the loans. There must be considerable salary increases in the future to bridge this gap. Please consider this.

We have a cold rent of 330€ and once we had 650€ left per month,

Sorry, but with your rent and your salary, 1000 € should easily be left over every month. If that is not the case, forget the undertaking. What many forget is that a house has high additional costs. You will have to calculate 300 € monthly. In addition, there is the installment for the loan (about 1000€). If you want to google, which in my opinion does not bring much: search for an independent financial advisor. Unfortunately, all financial advisors call themselves independent, whether they are or not. Some, for example, mediate loans from different banks, but all belong to the same holding. The first step for you would be to go to your house bank. They know your account and what you spend the money on. For heaven’s sake, don’t let them sell you anything or sign pointless home savings contracts. But as the first source of information, the house bank is not bad. By the way, the conversation should go into great detail and last about 2 hours. Afterwards, go to an advisor who is not paid by a bank. Sometimes a third opinion doesn’t hurt. After that, you can still research on the internet yourself. Then you have the necessary experience to better assess statements. That’s how we did it and think we have done very well. By the way, the house bank gave us the worst offer back then... or should I say: former house bank. In addition, they set our credit limit too high. They wanted to give us 350,000 € directly. Although they knew that my wife was expecting a child. Of course, I could have handled all that on paper, but then luxury and holidays would have been canceled for the next 10 years. We are glad to have heard other opinions and then also built smaller (left out the basement).

Where does your money go every month? How do you imagine paying off a loan? You pay 330,- cold rent and you are "only" left with 650,- EUR? Then after 12 months there should at least be more than 3000,- EUR capital (or 7000,- before purchases), right? I advise you to start keeping a household budget from now on! And write down everything(!!).