All my warning sirens go off when I read something like this.
What is supposed to be a junk property worth 80,000 euros? That sounds like a bottomless pit to me.
And a small buffer amount of about 5,000 euros for free use (e.g. purchases of electronic devices, cash reserve for peace of mind, etc.).
6.) Do you have to provide proof of use for everything, or can the loan also be used partially (i.e. the 5,000 euros for free use) for other things like a computer, TV, etc.?
5,000 euros for free use to buy computers and TVs. That is paid for from disposable income. Anyone who starts like this has already laid the foundation for over-indebtedness.
I would just like to have enough cash in the account.
I would then just use the money from the loan elsewhere for a month and then balance it again with cash the following month.
You ensure enough cash in the account by putting aside a little money every month. That is called saving. And temporarily using it elsewhere and balancing it later... you often hear that from people who later file for bankruptcy.
Yes, if I took money from it, I would at the latest balance it again after a month or after a few months, albeit short-term, with cash/equity. Would that be allowed? A combination of two loans would be an alternative, yes?
Exactly... so at the latest after a month... or after several... or never...
You should first learn the proper handling of money. It is also incomprehensible to me how anyone with a decent income cannot manage to build up at least some equity. That shows complete lack of discipline. You should postpone the loan for a few months and prove to yourself during that time that you are able to put aside at least a few hundred euros per month. That would be a valuable exercise.
As I said, I would like to have an amount of 5,000 euros for free use
Sure. Then save 100 euros every month for over 50 months, then you will have 5,000 euros for free use.
It would be best to have the money now and only start the installments in a year
Exactly. It would be best to have the money now for a new TV and computer and then only start repaying in a year. That is exactly how many people stumble into the consumer credit trap, with that mindset... and eventually they are hopelessly over-indebted.
I apologize for my harsh words, but here they seem more than appropriate to me. And if someone can be saved from over-indebtedness because of this, then it was worth it.