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

I am looking forward to the bank talks! Fingers crossed!

"Friendly" really isn't your world, huh?

"Friendly" really isn't your world, huh?

Toi toi toi means to wish someone luck. I am probably the first to wish him that. That is friendly. I don't grovel, you are right about that.

Your obvious also no

... likewise a misconception that can end expensively.

Yes, ‘can’, but does not necessarily have to. There is no life without risk. Furthermore, the consideration of "wohlsortiert" is missing ...

Yours obviously doesn’t either

Yes, ‘can’, but does not necessarily have to. There is no life without risk. In addition, the consideration of "wohlsortiert" is missing ...

Exactly, as I said - CAN, not must. My words.

Exactly, as I said - CAN, not must. My words.

That was exactly my intention ...

@TE

Don’t be surprised. These threads about financing are just popular everywhere in the forum. Everyone can just add their two cents. Concrete questions about more complicated issues outside of financing usually barely fit into 2 pages ;)
There hasn’t been much activity here in the last few weeks... that’s why everyone is now attacking you :D

Incidentally, you can of course include invested money as equity without liquidating your portfolio – just with a significantly reduced lending value.

[....]

So in this situation, I would want to adjust the equity: if you include the 130k from the parents and the full portfolio (including the car and I would assume 60% lending value on the portfolio), you end up with 280k equity – ergo 520k loan and a rate of 1,500 EUR. The advantage is that the money in the portfolio can continue to grow.

Somehow I have a knot in my brain about this. Can someone untangle it for me?

How can money that is supposed to stay in the portfolio count as equity and reduce the necessary financing amount? As collateral with 60% lending value: ok. I understand that. But that does not reduce the necessary financing amount.

In other words:
The purchase price is simply 800k. I can’t just go to the seller and say: “here are the 520k from my bank. Plus my liquid assets. You won’t get the rest of the money now... but I swear my portfolio is worth a whole lot!”

:D