Experiences with income from self-employed individuals in financing?

Do you also sometimes have the risk that a customer pays late or not at all?

Who cares? The banks look at the profit and loss statement once a year, possibly the balance sheet and/or tax return. Monthly fluctuations are irrelevant, no one can check that or go to the trouble.

The bare figure of ~2400€ is also not very meaningful, the bank will look at how the net amount is calculated and what has already been covered by it.

Best regards
Dirk Grafe

Who cares? Banks look at the income statement once a year, possibly the balance sheet and/or tax return. Monthly fluctuations are irrelevant; no one can check that or go through the effort.

I think the objection is less about the bank's perspective and more about one's own financial situation. Because what happens if the mentioned scenario occurs? Then one or two or three monthly installments might not be paid, and things can become tight.

One should generally have reserves amounting to a few months' salaries. Self-employed individuals with irregular income tend to have more.

Then one or two or three monthly installments might not be paid, and then it can get tight.

That is the case when liquidity is zero. This is independent of income. As long as liquidity is available, the installments can be paid, even if no income is earned. Sounds strange – but that's how it is.

Best regards
Dirk Grafe

My husband is a lawyer.

Problems with non-paying clients are practically non-existent, as it also always depends somewhat on preferred areas of practice, etc. Of course, there is no guarantee here either that this will remain the case in the future – but so far it has not been a major issue.

As mentioned, we are budgeting with 150,000 euros of equity. A little more would be possible, but we simply do not want to plan all our available savings...

As a fellow self-employed person who financed 500k not too long ago, I think that with the equity the financing should not be a problem for you. It is important that costs for health insurance, pension, and disability insurance are already deducted from the net income. A "risk reserve" should also already be set aside. I cover my risk with a year's net income "in reserve." That way, in "case of emergency," we should manage for 1-2 years.