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

Sorry if the last post sounded a bit harsh (tendency to pissed off [emoji6]). I just find it hard to believe or accept that it should be so difficult to get such financing approved. I simply know that the variable salary component will definitely come and even increase every year. Since the money is currently simply not "needed" for living expenses, I have to reconsider every quarter where to put it. That might sound stupid now, but it’s actually true. There are no interest earnings on the savings account, and I don’t want to invest everything in funds, ETFs, or stocks permanently, so buying a house just seems obvious to me.

It's okay, I understand your anger, but a house simply costs more than 300,000, believe me or post the offers. Calculate with 400 without garden and kitchen. For that, another 50,000 extra.

Why don't you just go to a bank, they don't bite? Have them make an offer based on your data. I do believe that you will get financing. However, I consider it risky and possibly not solid.

The better way would be to build up some equity first.

It's okay, I understand your anger, but a house simply costs more than 300,000, believe me or post the offers. Calculate with 400 without garden and kitchen. For those, add another 50,000.

Why don't you just go to a bank, they don't bite? Have them make you an offer based on your data. I do believe you can get financing. However, I consider it risky and possibly not solid.

The better way would be to build up some equity first.

I paid 320k for 200 sqm with a pretty good standard.

I just find it hard to believe or accept that it should be so difficult to get such financing approved.

Is this now referring to the comments here or experiences from current visits to banks?

I would just like to chime in here.

We would pay around €1500 over 30 years.
Could someone please make a calculation for me? That would be very kind.

We have just moved here from Italy. We would like to keep the equity as an emergency reserve, since something unexpected can always happen.

At the moment, we pay €1300 rent for a 140sqm apartment in the upscale sector.

I would just like to chime in here.

We would pay about €1500 over 30 years.
Could someone please do a calculation for me? That would be really kind.

Please start a new thread. And what exactly is your question?