Construction financing - How will it change in the future?

I actually can't complain.

But the following was taken into account:
- 2 x Baukindergeld
- 2 x Kindergeld
- 1 x Elterngeld (a whole 270 € )

As far as I know, child benefits are intended for the maintenance of the children and not for the repayment of any interest..
Therefore, bad advice.
Besides, the points listed are generally not added to the repayment.

As far as I know, the child benefit is intended for the maintenance of the children

Yep, and the accommodation of the children is part of that. Therefore, banks also count the child benefit as "regular" income, provided the kids aren’t already grown up (for a 16-year-old, that no longer makes sense).

As far as I know, the child benefit is intended for the maintenance of the children and not for the repayment of any interest..
Therefore, bad advice.
Furthermore, the listed items are generally not added to the repayment.

Building child allowance is negligent because no one knows if you will really get it.

Everything else belongs in a normal household budget.
Banks use flat rates for expenses. Children are part of the household, so why shouldn’t the child benefit be counted on the income side?

Which part of the total income is then used as desired is another matter.

Baukindergeld is negligent because no one knows if you will actually receive it.

I strongly assume that if we submit the building application this year, we would be eligible for the Baukindergeld. Whether funds are still available then, of course, I do not know.

I strongly assume that if we submit the building permit application this year, we would be eligible for the Baukindergeld. Of course, I don't know if there will still be funds available then.

Basically yes, you should of course have moved in on time so that it still counts for the application. But as you already say, since no one knows how long the fund will last, it should not be actively included in the financing. -> in my opinion

Baukindergeld is negligent because no one knows if you will actually receive it.

Everything else belongs in a regular household budget. Banks use flat rates for expenses. Children are part of the household, so why shouldn't child benefit be included on the income side?

Which part of the total income is then used as desired is another story.

Because child benefit and also Baukindergeld will hardly be continuously available over the entire term, which is apparently 40! years here.
Of course, it can be included, but not by reputable advisors, and certainly not by the applicant themselves who have a serious interest in healthy financing. Every advisor should also express their own opinion and tips, shaped by training and personal experience.

This brings us to the problem of such long terms like 40, or as mentioned earlier, 60 years up to retirement age... since monthly income decreases upon retirement and expenses increase in other areas (healthcare). Until one realizes that one actually has completely different wishes, ideas, and requirements for the accommodation and surroundings than 40 years ago.

But well, a small part here in the forum might not understand that only equity prevents this vicious cycle.