Financing a holiday apartment

Hello,
We are considering buying a holiday apartment to rent it out. We have now also found one for 117,000 at the Baltic Sea. We would prefer not to invest any equity, so we would need to finance about 134,000. Financing a holiday apartment already severely limits the selection of banks. One bank might possibly finance it, but only with the use of equity.
We live in a single-family house; of the 340,000, about 295,000 is still to be paid.
Does anyone have an idea how we can get financing without using equity and with a monthly rate of about 500 euros?

Thank you very much!

Do I understand correctly that you have a fairly inexpensive house, most of which is still debt, namely almost €300,000 - and now you want to take out another loan of about €140,000? So you want to service total debts of €440,000 with what income? What is the repayment plan for the house? Do you pay off a substantial amount monthly?

Do I understand correctly that you have a fairly inexpensive house, most of which is still debt, namely just under €300,000 - and now want to take out another loan of about €140,000? So you want to service debts totaling €440,000 with what income?
What is the payment plan for the house? Do you pay off properly every month?

In summary, you are right and it sounds like a large mountain of debt. However, part of it should come back through renting out. We have about €5,500 net available and pay about €1,500 for the house. We took out the loan in 12/2017, started repayment in 6/2018. Term 10 years.

However, a part should also come back through renting out

The Baltic Sea is not the Adriatic. Although very attractive, it is totally seasonal. For one third of the year, nothing is earned, and the income must be taxed. Then you need an agency plus cleaning service.

How much are you currently paying off?

Does anyone have an idea how we can get financing without using equity and with a monthly rate of about 500 euros?

Yes, you have to demonstrate an extremely good credit rating. But since you are already heavily in debt, and holiday apartments are not exactly a profit hit (just imagine how the market will look in a few months after corona, when many like you can no longer manage their financing and the value of the apartment may also fall?).
But maybe you would like to tell us your motivation for the investment? Even though I consider financing out of the question.

You already have the answer. The banks want to see equity, which you do not have, only debts. I also do not understand the motivation to make such a bad investment. The best investment for you is to pay off the house debts.