Construction financing yes or no?!

What kind of joker are you? I don't know how many of this type of thread you have already read or even answered here, but your split nature of attributing others to the "Peter Zwegat" group while on the other hand dishing out quite well yourself is at least comparable. All the questions asked have their justification, especially since 90% of the questions here are about thoughts on exactly these topics and everything stands or falls with that. I will simply not point out the mistakes you made. Maybe the 3200 euro expenses also include 1000 euros cold rent and 300 euros additional costs. Then it doesn't seem unrealistic to me, just as a hypothetical thought. Since my crystal ball and that of most others here are unfortunately currently in inspection due to an oil change, we'll just ask. PS: The first thing a bank does, by the way, is exactly such a Peter Zwegat routine... Whether the OP wants it or not. If he already has practice in it, it won't hurt.

Well, I don’t think it’s right that you are trying to squeeze all sorts of personal data out of the thread creator here. Instead, you could say that you have concerns about the costs and whether buffers, etc. are included, or politely ask if the person would be willing to disclose further information, but not in such a demanding tone. I don’t think turning this into a Peter Zwegat scenario is a good idea.

That has nothing to do with Zwegat. But the information is so vague, or rather misleading times ten, that all you can do is read the coffee grounds. No one has demanded anyone to post personal data here or upload proof either.

But so far there’s been silence; that’s why no one has said anything about the actual question.

Maybe that’s why everyone here is asking so incredulously, but expenses of €3200 are already quite a lot!

That’s a strange accusation. Who is asking incredulously here?

Besides, I can only warmly recommend choosing a highly reputable financing partner. For me, that’s those with branches on site and not those with just the best terms on the internet. There are also brokers, I’m not very familiar with those; I’m more traditional. Definitely inform yourself beforehand.

Construction financing is a fairly heavily regulated product in Germany (even more so since WIKR), and nowadays also quite “standardized”, after all the banks’ margins have come under strong pressure in recent years.

How do you define a “reputable” partner?

You should definitely consult several “partners” (at least your house bank and at least one of the big intermediaries) to be able to assess the respective offers and partners, but also to develop a certain feeling for where the advantages and disadvantages lie.

Brokers working on a commission basis have the advantage of identifying suitable partners at all, especially where, for example, there is not 20% or 40% equity available. But you don’t know. Therefore, in that case, there is no need to read anything into the coffee grounds.

If you only talk to the local banks (and in some places there are only one or two), you are already restricting yourself a lot because these banks are tied to their respective products and structures. (For example, savings banks often cannot offer a classic annuity loan for longer than 15 years; beyond that only with building society contract constructions.)

@Kapastoo You are making some assumptions about the costs (second apartment, desire to have children) due to missing information and then philosophizing about it. Let's see how accurate you are, otherwise it was all in vain. It is not even clear that rent is currently being paid, as only "deduction of all costs" is mentioned. Maybe the questioner still lives rent-free in the parental home, mom does the shopping, cooks and washes, and in return he maintains a super sports car. I could make that assumption now too and rant about it. ;)

Maybe the questions could have been phrased more kindly, but without answering them this leads nowhere.

Then I expressed myself poorly, sorry.

What I mean is that when one (I) reads this, the targeted questions about the personal situation come across as very direct and one might not even know "what these questions are supposed to achieve."

I also did not want to write ambiguously, but rather addressed the questions and provided explanations, and on the basis of the given information (800€ are available from two salaries) expressed my concerns.

It may be true that little information helps no one, but I find that the corresponding answers then usually turn out to be uninviting. That was my motivation for writing the above.

All good, you’ve only been here for 100 posts so far.

But if you’ve already dealt with quite a few threads of this kind and then new ones pop up where the same points are repeatedly missing.... yes, then this is what happens, like here.

So yes, your suggestion is correct, but I see the questioners primarily responsible for providing all the important information. Most of them do this here as a hobby, not to make money.

I am also always very much in favor of a friendly tone and find all the questions quite objective.

800€ are available from two salaries

Not even that is clear, so the follow-up questions are necessary. It could also mean that current rent + 800 are available.