802k€ for house including additional purchase costs with 600k€ loan - Financeable?

@SaschL
let the OP explain it to you again :)

it depends on the overall situation, maybe both work in the public sector and receive VBL etc. or there are people who enjoy their job or only work to live and not live to work

The overall situation is, in short, that with a net income of 4800 a house worth 800,000 is to be bought, a loan of 600,000 is to be taken out. Cash is available.

in the next 10-20 years a large inheritance in the mid six-figure range

We don’t even want to start with inheritance here. Either it has already been inherited or nothing is calculated for the future and it is a nice-to-have – there is some wealth in the family somewhere that must serve as precaution in the owners’ illness and care age. What remains at the end of the day is immortalized in the crystal ball. That basically applies.
A decent nursing home can cost €3,500-5,000 per person, for a couple a senior-friendly living unit in a healthy condition €4,000-6,000 with services... money is spent faster than earned...

why can't a future inheritance be taken into account? The parents are already supporting you generously now, even as pensioners. So there will probably already be provisions made for emergencies (nursing home).

And as already said, if it doesn't work out after 15-20 years, the house will just be sold. Where is the problem? Finance now cheaply with fixed interest for 10-15 years and then you can see what to do next. Apparently enough is coming in through the stock market.

The question is whether the bank will cooperate, but no one here can say that.

If I received money from my parents every month, I probably would have built bigger too :)

I have to say that the answers are partly very general, and also extremely poor. Does anyone actually ever come up with the simple idea of doing a [Kapitaldienstrechnung], just like every bank does? That would make the question relatively easy, but exceptionally concrete to answer.

I would have no problem fully financing a house if, as a counterbalance, a well-stocked stock portfolio is available. Risks, including losses, can be minimized by appropriate orders - in this case possibly a [Stop Loss Order].

Risks, especially losses, can be minimized by appropriate orders - here possibly a Stop Loss Order.

Now this is going off topic, but this is also a fallacy that can end expensively.

I am looking forward to the bank meetings! Toi toi toi!