Which financing (type/components) should we consider?

Have you read the opening post?!

YES, I HAVE! It neither mentions anything about the woman nor about the equity. The questions about whether and how much is being saved, etc., are still open.

YES I DO! It neither says anything about the woman nor about equity. The questions remain whether and how much is being saved, etc. pp

It clearly states that no equity is available and that he earns the majority of the joint income.

The 360k€ actually seem more like a wish. Already viewed houses? You quickly end up at 20-30% more than expected. Basically, I also find 3700€ tight for a reasonable repayment on 360k€. You should be repaying in the range of 1400-1500€ to be done after 25-30 years. If you then also include additional costs, you quickly reach around 2000€ monthly, which is quite high with a total of 3700€ net.

Quite high, but definitely doable... provided one can restrict themselves in other areas (e.g., giving up vacations, etc.)

It clearly states that there is no equity and he earns the majority of the joint income.

oh sorry yeah at the beginning.

well, those who have lived well, and many of us have, first have to save a bit and practice restraint. Just because you pay back a loan instead of rent doesn’t mean you are in a "better" position or free from saving.

The OP should be aware of this, especially since he is probably the sole earner. Whether it’s a new build or an existing property, capital is needed.

He is neither the sole earner (since the majority, but not all, of the income comes from his salary), nor do they seem to have lived extremely well, as they have only been out of university for about a year. When the money comes in for the first time, most people also treat themselves to something. I find that quite okay.

However, this does not necessarily make buying a house any easier, as it is currently difficult to find a bank that offers a 110% financing under reasonable conditions. Real estate agents, notaries, and property transfer tax already amount to almost €50,000, which is actually not financeable. Depending on the condition of the house, there are also considerable heating costs that are not comparable to a new build. This can quickly add €100-200 per month. And last but not least, you also need reserves for maintenance. A new roof, insulation, new windows, etc. can quickly reach the mid-five-figure range. What happens if, after moving in, you find that the house is damp, the insulation is inadequate, the pipes are dilapidated, and so on and so forth?
You should also be able to set aside another €100-200 a month and hope that nothing major occurs in the first 3-4 years. Especially with 100% financing, it becomes difficult to get additional money from the bank.

With additional purchase costs, that's already about €400,000 plus possible furnishing, renovation, moving, etc., so definitely a loan of over €400k and certainly not at the cheapest interest rate, with an income of €3,700. And you are also planning for more children, meaning loss of income.
That's why I see things as somewhat dark gray to anthracite; I wouldn't say black. Just so you know, our income starts with a 4 and we wouldn't want to pay a higher installment than our approximately €1,200.