Financing 600,000 Euro terraced end house

In my case, equity of 100k is available.

You are being too sparse with information about your income situation, expenses, etc. for anyone to reliably provide you with information here. Having to extract the information from you bit by bit is also not very motivating.

Wrong approach - also here in the forum. You don't put the cart before the horse, and this is certainly not a guessing game like: one more question for each piece of information about "what am I?" / what do I have? Take your key data and go to the bank - unless the house suddenly has potential further interested parties, you might be lucky that the house is still available for purchase after providing your information. Because the financing budget should be defined before the search.

Yes, this here is the game of the rich-guy & mystic-woman.

I actually trust people with such a project and on this scale to have enough intellect to at least assess the situation themselves beyond the lyrical outpouring above.

I am just asking myself how 600,000€ are supposed to be paid off in 20... No, 16 years. The woman - "let's say" - earns 2,000€, but actually not, because children are coming. The man wants to pay 3,000€ p.m. to the bank, but actually not either, because it should be 2,000€ and 4,000€ special repayment. But at the same time, it is definitely out of the question that the rate can be paid off by the sole earner.

Then 100,000€ appear out of nowhere. From which I deduce that the project "all in" costs 700,000€?!

Since you obviously don't even have a plan about your own financial situation, you should contact the person who has managed the finances so far and have them calculate whether with the remaining money from "income" minus [Insert your random Credit-Rate here], you can continue to survive.

First of all, thanks for the attempts to help. I am self-employed and my income is high but fluctuating. The house including additional costs is about 630,000, from which the equity would at least be partially deducted. That is why I would personally like to have a base rate of 2,000 euros per month, as we will almost certainly always be able to pay that, then increase it to 4,000 in normal times through special repayments.

My goal with the question was therefore less to assess my concrete situation, because you can of course assess my income fluctuations even less than I can. Therefore, I wanted to say as little as possible about myself and ask more generally in order to clarify what kind of employee income a bank would require for such a project. Clearly, it is difficult to say that down to the euro, but I would at least like to have a rough figure. Let's assume a net income of the gentleman of 2,000 euros, which is clearly too little. 3,000 euros would be unrealistic. In my assessment, 4,000 euros and an extremely frugal lifestyle would slowly become possible, but that would already be very extreme and everything would be subordinated to the house with hardly a cent left for special wishes. From 6,000 euros, I would assume that it is quite unproblematic, because later the wife’s income will also come into play. So I would prefer a table like the one below. What do you say to that?

1000 - no 2000 - no 3000 - no 4000 - rather not 5000 - maybe 6000 - possible 7000 - yes 8000 - yes 9000 - ....

Only facts count for the bank. They work with (your) existing numbers and do no "wishful thinking calculations." Sorry! By the way, there is also the factor self-employment and the factor employee with x months’ income. Accordingly, there is a financing offer...