Built-in kitchen with financing possible?

Can you please tell me why you are coming at me so rudely?

You should provide a few quotes if you are addressing several people in one post, or at least use @, otherwise it gets a bit confusing. Or do you mean me?

Equity consists of equity, land, and personal contributions. If the loan-to-value ratio exceeds 75%-80%, it becomes problematic. Interest rates go up. I estimate by 0.2 to 0.3. Everything has its price. You can also do 100% financing. Then the bank sets the rules.

You should provide a few quotes if you address several people in one post, or at least use @, otherwise it gets a bit confusing. Or do you mean me?

I do that too. Only when I reply directly to a post does it refer to the last one. So yours in this case.

I can't help you with the financing, as far as I can see you are not the high earners. Try Ikea, they often have 0% financing and there are very nice kitchens with El in assembly for 5000 that are top quality.

I can’t help you with the financing, as far as I can see you are not high earners. Try Ikea, often 0% financing and there you can get very nice kitchens with electrical installation for 5000 that are top quality.

You can see that based on the data here?

If you could also do 75% at the same conditions, borrow 75% and buy the kitchen back from the 5% withheld equity.
Do not mention the word "Küche" to the bank!

I don't understand the problem.