600,000 how to finance? Income 600,000, combination with KFW?

and : May I ask which banks you financed with?

Thank you

and : May I ask with which banks you financed?

Thank you

I financed through our house bank (Beamtenbank, or BBBank as it's called)
and NO, I am not a civil servant
I did the comparison via Check24 and they were simply better in the end with 0.94% for 15 years, 5% special repayments, and no equity requirement.

that some banks count the KFW loan as equity because it is subordinated. Is that true?

Meanwhile, mostly no longer. We also changed that some time ago to "is credit risk of the bank and just another refinancing." So, not equity. This also applies to many cooperative banks.

Regional savings bank and building society

By now mostly no longer. We switched to "it is the bank's credit risk and only another refinancing" some time ago. So no equity capital. This also applies to many Volksbanken.

Interesting how the conditions are becoming increasingly restrictive. Okay, the loan amounts are also continuously rising at the same time. But the grid is getting tighter and tighter..