Bavaria house building subsidy options

Nope, but I can do the math and have dealt with it out of self-interest; if the thread starter does the same, they'll see it themselves. Above all, no worries, a high equity does not cut the interest rate in half.

Then just take the experience of someone who has been financing nothing but real estate for 30 years (formerly consumers, today more large companies).

Well then

I assume the OP will already seek professional advice somewhere outside of this forum anyway - but the question was more about funding opportunities (unfortunately, I have no personal experience with that)