Family loan = Equity?

Good evening, after today's conversation with an employee of a financing brokerage, a question arose for us today. He said that a family loan would be fully counted as equity without any restrictions. Since we are now considering this after consulting potential lenders, we have researched a bit on the internet. There, the statements are the most contradictory. Can someone give us something definitive (the employee will not be available again until the end of the week)? Our plan is to take out part of the loan with conditions similar to KfW from our relatives, as this would directly save us interest and possibly also indirectly, since we could then increase our equity ratio. We would be very grateful for information. Best regards, Jake

In principle, it does not matter where you get your equity from. What matters is that it is available. When it comes to financing in detail, that is, written proof of income, employer, salary statements, expenses and other installments, you must also specify this interest rate that you owe to other creditors monthly. However, I would explain here that these are not other debts, but rather a private loan for the house construction that is not registered in the land register (otherwise there will be problems).

No further comments necessary. ypg has written everything necessary.

Hello ypg and nordanney,
thank you very much. We will proceed exactly like that.
But in principle, it should be fine for the bank if they have to provide a little less and are still the only ones registered in the land register.
For us, the whole thing represents a not insignificant interest saving, as we apply a lower interest rate than the bank.
Regards, Jake