Employer loan is not sufficient

Just ask the bank. Preferably with a complete cost plan, monthly expenses, etc. The better prepared you are, the more open the bank might be.

The current information is too sparse to make any recommendations.

Yes, the rent may be high, but you have no risk involved. And I don't just mean the risk that it will become more expensive than planned, but you also have to maintain the house and pay for repairs. The pure financing costs alone are not a valid comparison argument!

your required loan amount is 250000 euros. How expensive is the house in total (that is house, land, and additional costs)?

Best regards
Sabine

I would like to join the question from : what are the 250,000 needed for? Property available? That counts as equity. If there is none at all (7500 is not capital that you put into a home financing. That should remain untouched as an emergency reserve), it will be difficult. My question is aimed at: buying land and building a house for 250,000 would, in my opinion, not be possible.

You can apply for 30k as a consumer loan. It might be possible with your income.

With an income of 1350 euros and 3 children.... a 30k consumer loan? Uh... no. That is below all garnishment exemption limits. A single parent on H4 is even better off.

Do you have equity? That is not entirely clear. If not -> why not? Why build a house then? With the income, saving equity should not be a problem.

The context is not clear to me. The income is not generous, and there are 3 children.

I would think the matter of the employer loan through 3 times. You put yourself in total dependence with it. Especially after a personal bankruptcy, I cannot understand this step in the slightest.