Bank wants co-ownership of the property - experiences?

With the high equity ratio, I can't understand why the bank can't be more creative. I would now also say just switch the bank.

da ich noch Grundstücke/Immobilien im Ausland besitze, die ich dann verkaufen könnte

Or already cash in the properties abroad now and then handle everything without the bank. Then everything can be under your name. That would also be an option, and as soon as the house is built, you just share the ongoing costs.

Asked again, because you are dodging the question: Are you already married or not?

Addendum: Instead of building a 180m² villa for 1.3 million, one could sell the property and build something smaller. Without a loan, 1 million euros of equity are still available.

I can't understand the bank there either. The loan-to-value ratio is a joke, no matter how exactly you calculate it. Many people don't achieve such a good ratio even after 10 years.

I can afford Edeka and expensive drugstore products, but I have no problem at all buying offers on Saturday and then also going through Penny, Lidl, and Aldi. What you keep writing is divided – sometimes you should save, sometimes it's an outrage. Sometimes proud of building cheaply and now showing off as if you're something better.

It could be because people are different and so are their situations.

And the 15% is ridiculous, the official shopping basket has already been around 15% since 2021. With food, it's easily 25% price increase, with fuel still 30, 40%. Gas and electricity also over 20%.

Banks make it look good for people, they need customers after all. And the risk is well covered with 4% interest...

And when it comes to the topic of houses. Not everyone has the confidence in a group of neighbors who are just talking about KNX or Busch Jäger's smart home to say "Yes, might be nice, but it honestly wasn’t affordable and you don’t necessarily need it to live." I can do that and then sleep peacefully; I have never cared about what others do. Those who can’t, and there are many; Such people won’t be happy with an affordable house and should rather leave it than overextend themselves. I often get the feeling here that most people only have a hammer in their toolbox and therefore every questioner is a nail. They hit someone with a low budget with the 3,500 EUR/m² price, just like those who bring enough money.