Does owning horses/age influence the chance of getting a loan?

Hello, I have a question. I plan to buy a house next year and have saved about €35,000. The purchase price will be around €100,000 at most due to the favorable location. I have a building savings contract ([Bausparvertrag]) (€8,000 equity, €12,000 loan, the €8,000 equity is already included in the €35,000). Now to my question: Does owning a horse and thus having monthly expenses change the chances of getting a loan? Furthermore, I am under 30, will be 26 next year, and will have worked for about a year at the time of purchase (with a permanent employment contract). Does age also affect creditworthiness? Thank you very much for the help, Winnie Pooh

The horse doesn’t care about anything...

Is this now a fake thread? Minimizing costs increases the chances of good financing, an existing loan destroys this chance in one fell swoop.

No, why should it? I just don't know much about the subject.

I don't have a loan, it doesn't say that anywhere. The home savings contract is being used for the house purchase.

It's simply about whether the ongoing costs for a horse are included or not. And if so, how high.

The bank doesn't know anything about your horse. You have to submit for yourself whether you can afford the house and the horse. Purchase price at 100k€. The location almost only affects the land, only to a limited extent the construction costs for the house. If it really only costs 100k, then it has either lost value extremely, or you still have to renovate extensively afterwards.

Thank you Wastl for your comment and food for thought. Yes, for me it is calculated in the costs, as I already own the horse. I was just wondering if the bank then says "household allowance + amount x for the horse" or if that is left out. The house itself is very small, it has a 60 sqm living area and a 150 sqm plot. An apartment is out of the question for various personal reasons because I want/need my own (small) garden. Furthermore, I do not want to overextend myself for my first property (in terms of size and loan) and want to be able to pay off the loan well and securely.