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I'd buy the shitty flat.
You're 50. You don't know how long you'll be able to work to pay off the expensive flat, nor do you know what needs you'll have as you get older. You can buy the shitty flat, pay it off quickly, and you'll own it. If you lose your job, you won't be evicted for not paying rent. Depending on where you live, you'll still have condo fees, property taxes, or whatever, but you'll still have more leverage and leeway than simply being a tenant.
Don't just grab any shitty flat; think of what you want now, and what you'll need as you age. You may not still be in the same flat 10 or 20 years from now, but make that assumption and plan with that in mind. I don't know what you want now (lots of kids vs no kids around, etc), but some things to think of as you age:
Probably other stuff as well, those are just the first things I thought of.