Semi-detached house: Estimated costs accurate and feasible, experiences?

Ok and how do we then finance the renovations?

Then pay for the renovation from the loan according to the construction progress.

What I didn't understand: How high or up to what budget can I cover my renovations? Is that then the 80k?

The house, a semi-detached property with 97 sqm in a fairly quiet area, basically needs a complete renovation, i.e., and we are calculating with these approximate costs Electrical wiring needs to be redone (textile-insulated cables) = €10,000

That initially sounds like a year of construction with presumably a one-piece partition wall, how is the cellar situation, and what do you / does the neighbor possibly want to add on / extend upwards / rebuild? This could get interesting ... I'll call in .

With a loan?

Just as written.

Simple mathematics.
Purchase price + incidental costs: 147
Renovation max. 86 according to your breakdown, if everything is done now (kitchen is not part of the house and does not belong in the cost breakdown initially)
Various own contributions including painting by you including materials (that’s how I understand you)
Total: 233
From this, the equity capital to be contributed at purchase is deducted: 100 (or maybe only 90 if you don’t want to buy the kitchen with a 0% financing but from equity / or some additional equity is retained as a buffer)
==> Minimum loan 133
==> of which 47 will be disbursed for the purchase and incidental costs, the remaining 86 according to construction progress for renovation/refurbishment
==> if less equity is used, then the loan simply becomes larger

So I would triple the effort for the renovation. Electrical work, and you can compare that since I had no monument restrictions there, cost me about €33,000 for 125m2. But everything was new including the house connection, etc. Also to today's "new building standard" with network sockets, etc. .