Which financing (type/components) should we consider?

At 3700 and a warm rent, it should be possible to save a thousand per month, so that at least with a purchase or new build you can pay the ancillary costs yourself. If that doesn’t work, then financing won’t work either. Otherwise, it is of course not very wise to compare a warm rent to a repayment, because there are still the monthly utility costs and reserves to consider. There is nothing against waiting another 2 to 3 years with something your own. There is nothing more comfortable than renting – that’s why nowadays more and more cars are being leased privately (although the terms and conditions of the contracts are much tougher than a rental contract for an apartment).

Off Topic:

I don't have to understand it, do I?
Someone like invests a lot of time in a good post, and once again a small inconsistency is being picked apart and - in this case unimportant - side issue is created.
Where is the respect for such positive contributions?
I also don't understand why now the entire post has to be quoted for this.
I will clean up tonight!

I did not criticize the post.
For the OP it will surely be relevant whether he might have to pay about 5000.- less to the realtor at the purchase price or whether there might still be some room for negotiation...

All good, I didn’t take that as criticism of my contribution either. For us, the question of whether to use a broker or not had a significant impact on the maximum possible purchase amount. No matter where we were, we were told that the incidental purchase costs as own equity are the minimum to get a reasonably affordable financing, or even to get financing at all (creditworthiness was never an issue, as mentioned). Let’s assume €30,000 in equity; this covers the incidental purchase costs at the following amounts:
- without broker: €430,000
- with broker (3.57%): €285,000
- with broker (5.95%): €230,000
In my opinion, that makes quite a big difference. Furthermore, you have to be careful that any fitted kitchens or other furniture do not count towards the house value and thus are not eligible for lending from the bank’s perspective. So if there is a new fitted kitchen worth €15,000 included in the €360,000 property, it could be that, if the bank looks closely, these €15,000 are also considered part of the incidental purchase costs. While I think this rarely happens (unless it is also specified in the contract), if you are already calculating so tightly and at these prices, some bankers might get out their pencil. Especially since, in case of loss of income of the main earner or additional children, creditworthiness could possibly be at risk.

BTW: It can go even higher. Berlin+Brandenburg 7.14% entirely at the buyer's expense. Given the current market, there's no haggling with the broker either. Prices are skyrocketing due to demand and then it’s simply sold to another interested party. Standard land values are often meaningless because there is too little building land and people pay any price. This also tends to make existing properties more expensive.

What else I notice about the OP: You can't compare the warm rent including electricity to just the pure house costs when buying a house. The warm ancillary costs for the house and the purchase incidental costs are still missing. Additionally, you should also watch out for surprises like investor contributions. Does the city/municipality want to renovate the street? Build sidewalks? Street lighting? The costs can be partially passed on to the residents in parts of the country because their property value increases as a result. Also look at the annual rents compared to the cost of the house. If that is significantly >20 annual cold rents, then it's not really a bargain.

Also check possible encumbrances in the land register or construction burden register. If the house is so cheap compared to the apartment, it may have encumbrances that you don’t see during the viewing but that can bother you a lot. What is built in the area? Industrial area around the corner? Odor or noise pollution? Is there perhaps a highway, Kaufland, or a school coming to the immediate neighborhood? There is a lot to consider there too.

What I forgot to mention: Have you ever gotten a current [Schufaauskunft]? Just in case there are still surprises in it. You can also optimize that. So have old entries removed if possible, cancel unnecessary accounts and credit cards, mobile phone contracts, small loans, etc. Before the first credit inquiry, I also optimized my [Schufascore] first.

What I forgot to mention: Have you ever gotten a current Schufa report? Just in case there are still surprises in there. You can also optimize that. So have old entries removed if possible, cancel unnecessary accounts and credit cards, mobile phone contracts, small loans, etc. Before my first credit inquiry, I also optimized my Schufa score first.

If the Schufa score is low, then there is no financing anyway.