Financing a single-family house approx. 450k - How to implement?

Maybe the OP could explain more precisely what he wants and then the price expectations can be specified more exactly....

Since it is not about the purchase price of the house at all, the topic is completely irrelevant.

Question:
How low can the monthly installment be with (very) high annual prepayments?

as well as:

How is a high variable income evaluated by the bank?

Seriously? .

Yes, seriously, maybe it’s just different regionally, I don’t know? Around here we tend to use lime plaster rather than wallpaper....that’s how it is.

Nobody does brickwork here either......

OK so BTT.

You have to keep in mind that very high special repayments usually cost an interest surcharge at most banks, and some will not offer more than 10%.

As repeatedly written, many banks do not consider variable income. But here I would not generalize, since you can prove in your profession that it regularly occurs.

Otherwise, you should manage at least 1%, preferably 2% repayment, otherwise the bank will also charge you a considerable interest surcharge again.

Why does the rate have to be so low? You can put your special payment into an account and pay the rate from it, can't you?

Have you already had the recommended bank appointments or appointments with brokers? They can answer that for you specifically based on your individual circumstances, unlike us.

Since it is not about the purchase price of the house at all, the topic is completely irrelevant.

I haven't read everything through, but I understand it as the house and land together may cost 450K.

If the house is 100K, then the land is 350K. So it is indeed about how much the house costs and, on the other hand, whether he will get a loan for it under the conditions.

And of course, the bank is also interested in how high the loan will be for the project.

Which brings us back to the costs.

But I wouldn't generalize here

Oh, not here?

Otherwise, I welcome the BTT...
If you finance with a building savings contract, the special repayments don't cost you anything, as they are made into the building savings. With variable income, I agree with the majority; most banks only consider the fixed salary.