Semi-detached house overpriced - Is the financing realistic?

How old is the property? Did I overlook that?

True, I had forgotten!
Year of manufacture is 2003

Hello, so how much do you want to finance? 520k? Or more because of the additional costs?

When children come, it is usually coupled with loss of income (part-time work, childcare costs, higher costs like clothing, food, vacations),

That means the belt will be tightened at the latest then. Here you should seriously evaluate for yourselves whether you can afford it.

It feels like there are strange price jumps from 2018 400k, 500k, and now 650k

But probably apples are not being compared with apples here.

Oh, by the way, the banker will always finance you, but he will not make the decision for you

Financing would then be around 600k, due to the additional costs.
Regarding the price jumps: I obviously cannot compare the condition of the 2018 semi-detached house. What just makes me a bit suspicious is the price increase. I also don’t want to pay too much, but appropriately according to the market situation, with a slight premium to secure the property in case the appraiser deems the condition to be flawless.