Assessment of financial framework

Please provide the text you want translated.

Please excuse the poor formatting, it looked fine in the preview and now I am currently unable to edit the post.

Calculate the child benefit. I don't think the banks include that either. Likewise, various bonus payments. You can then use that for special repayments or other things.

Purely based on salary, I would say it fits. You could also handle the construction on your own. I manage it with less salary too. It really depends a lot on your property and what the construction will ultimately cost.
Just go to a financial advisor and ask what chances he sees for an almost 100% financing.

The others are always faster.. I also wanted to write: KG and Bonus out! Not just because of the banks.. it simply doesn't belong in the calculation. Since you already have a child, you surely know yourself that the ridiculous child benefit doesn't cover the costs of the child anyway

Otherwise, 20% equity would be recommended.. then it would probably be quite relaxed. If you want to pay a 1700 EUR rate... you can save that amount for 3 years. Then there would already be 60k available.

Are you currently not paying rent or did I overlook that?

The bonus is not included monthly at all. Whether the statement is suitable for the bank or not is beside the point for now. I have simply compared all income against the expenses.