Condominium KfW55, financing owner-occupation from the developer

Hello,

I would like to finance a small condominium (KfW55, owner-occupied) from the developer.
Can you take a look at this?

Income: 2,500 euros (net)

Purchase price of the property: 145,000 euros
Acquisition incidental costs: 10,000 euros

Total requirement: 155,000 euros
Equity: 10,000 euros for the incidental costs

For the 145,000 euros, I have the following offer:
- KFW(153) 100,000€ at 0.79% with a 10-year fixed interest period, total term 20 years
- Annuity loan from the bank 45,000€ at 2.03% with a 10-year fixed interest period

Monthly rate: 800 euros. No other liabilities present.

What do you think about it?

For financing over 100%, that is OK.

Yes, ok. You should expect to have a high remaining debt after 10 years.

KFW 124?

I don't have the current conditions in mind right now, but they should be competitive with the 10-year ones.

And how do you finance the rest? I mean making the [ETW] move-in ready?

Normally, you don't do that for two euros fifty.

Or is there additional equity?

KfW 124?

I don't have the current conditions in mind right now but should be competitive with the 10-year ones.

I suspect it won't be feasible. The financing bank also wants to make money and lend its own money