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It's a problem if humidity on the place is high and building is insulated crappier.

> humidity drops with temperature, as cooler air can't hold as much moisture as warm air.

This encourages mold

That can lead to water condensing on other surfaces which on the right surface can start mold growth. Wallpaper, exposed wood, stucco walls and some painted surfaces are all subject to this.

> We keep our heat at 16°C during the day, 15°C at night.

Why would you do this to yourself? I meaning living in such woeful conditions.

That is really cold, but the temperature I would keep an unused house at. If I tried to do that in our current place, my family would be extremely angry - we have it at 20 and even then I get complaints.