I believe I insured KTG for 6 months.
From the 43rd day onwards unlimited.
Back to the original question at the very beginning... Of course, almost any bank will gladly offer 110% financing, from their perspective 2 civil servants are the sure jackpot. Personally, I couldn’t sleep peacefully at night with such liabilities, but civil servants?? Definitely!
Even with civil servants, it depends on how much is left in the end. 2x middle service, one of them part-time with a child, that's no longer a jackpot, just enough in big cities for an adequate rental apartment. Once pay grade B and once higher service (A13-A16), that is the famous jackpot. Ultimately, it is not (only) decisive whether you yourself can sleep peacefully, but the bank advisor should also be able to sleep peacefully. For self-employed people this is handled through regular, usually annual proof of economic circumstances, i.e., you send your balance sheet or your preliminary profit and loss statement to the bank advisor who then decides if that is sufficient to continue servicing your loan. If you calculated defensively at the beginning, no problem. If you extrapolated to get the loan but can’t maintain the result ... problem.
The nice thing about civil servants is that their pay is predictable for years if no major upheavals occur. But I would claim that besides a couple of civil servants from the higher service there are also other jackpot financings for the banks. Civil servants are just the most common cliché.
Regards
Dirk Grafe