Finally a plot - Can we finance everything with EFH?

I see it differently. For the bank, this is a safe bet since there is six-figure equity involved. The low interest rates allow for large amounts that one could never have imagined a few years ago. But that's how it is today. Maybe interest rates will go up again in 10 years, maybe they will remain permanently low. It doesn't really matter. The bank is far from full financing here and the risk has been priced accordingly.

So thumbs up for the bank.

For the builder, I also give a thumbs up. Just like that.