Funny, I'll get some chips.

I don't think you can necessarily tell someone is "going to the limit" just from the pure loan amounts... nor necessarily from the loan-to-value ratio. For example, we would have purely mathematically needed €301k, but to be safe we preferred to take out €310k and are at over 100% financing. Still, neither of us feels like we're reaching our limit with the payment. At most, maybe next year, unless my husband becomes a civil servant in the meantime, which is likely.

According to calculations by Finanztest, the interest rate charged for financing above the critical 90 percent limit is 8.8 percent with some providers, thus at the level of overdraft loans.

Well, first of all, I consider that a rumor. 8.8 percent, never. We also finance "fully" and the worst interest rate we were offered back then was just over 3%.

Furthermore, I wonder why this topic (full financing, debt, bankruptcy) weighs so heavily on your mind. This is already at least the 2nd thread on the subject, plus of course the various attacks in all the financing threads where you always only read half. You do like to emphasize that you are not German, but you have fully internalized the German culture of envy. Like a weasel hoping for their imminent demise, you watch the evil no-equity financers who also got a loan even though they didn’t have to pinch every penny like you.

It's clear that the maximum debt increases. If I had to pay 7.x% interest like my parents, I would have had to take out a smaller loan. With our meager 1.56%, I can of course take out much more and in the end, despite a significantly higher loan, will pay back less than my parents did over 25 years ago.

Getting into debt is currently quite easy

Loan interest rates are low

Why should one, for example, cancel an old building savings contract from the mid-90s?
It yields more than twice the interest on credit balances compared to what a loan costs us at the moment. It is risk-free and does not even affect the investments mentioned by

The housing market "forces" people into homeownership.
Friends of ours never wanted to build. Termination due to owner’s own use is looming. Comparable apartments cost more than twice as much (and they don’t even own them yet), the municipality is developing a new residential area. The future high rent is roughly as high as the annuity, tata 100% financing.
And these are not exceptions. Some people in our circle of friends and acquaintances have 100% financing for this reason (rent = annuity).

Otherwise, I didn’t find the article particularly good. Just copy paste

First of all, I consider that a rumor. 8.8 percent, never. We also finance "fully" and the worst interest rate we were offered back then was just over 3%.

Furthermore, I wonder why this topic (full financing, debt, bankruptcy) burns so much on your soul. This is already at least the 2nd thread on this, plus of course the various attacks in the entire financing threads, where you only ever read half.
You like to emphasize that you are not German, but you have fully internalized the German envy culture. Like a weasel hoping for their imminent downfall, you observe the evil without-equity financers who also got a loan, even though they didn’t have to save every penny from their mouths like you.

Hi, DSL quite gladly intermediates 90-95%, the remaining missing equity comes from Hanseatic at a very very bad interest rate

a now blocked intermediary always spoke of a mixed calculation and “externally financed” equity ^^