Financing a holiday apartment

I think that they want to have a holiday home subsidized. Holiday apartments on the North/East Sea usually generate considerable losses permanently. At least according to the tax return

Yes, you have to demonstrate an enormously good credit rating. But since you are already highly indebted, holiday apartments are not exactly a high-yield investment either (what do you think the market will look like 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 share your motivation for the investment? Even though I consider financing to be out of the question.

OK and with what do they want to offset it??

it only works with income from V+V and not with income from non-self-employment

You can also burn money more easily and not by buying a place for bad rental. Especially since you have to invest there as well. A house ages, you have additional costs, etc.

And how do you pay the loan if Corona or something similar comes again and there are no income for months?