Financing offer good/bad?

I haven't read the entire thread. But briefly on that: For a loan-to-value of up to 80%, the condition should be just under 2%, owner-occupied property, fixed interest rate for 10 years. Ergo: offer clearly too expensive! Keep looking!

Well, with that risk,... Only €2,200 for the loan,... The interest rate isn't that bad.

The local resident model is always heavily discounted, but they have very, very strict requirements to get such a plot, many people were rejected, and we were lucky to get through all the meetings and receive it

No – unfortunately, it is not always discounted! I can tell you and some others from the forum from my own experience. Have you already included development costs? Do you have a flat rate for outdoor facilities? Usually, only €6k is never enough. The construction costs also seem very low to me for Bavaria. Are you sure you have considered all positions? Have you already planned for kitchen / furnishings / garage, etc.?

Well, with that risk,... Only €2,200 for the loan,... The interest rate isn't that bad.

What risk? Either the installment fits the income or it doesn't. The burden calculation must have been positive, albeit narrowly.

That does not justify this interest surcharge, the security is the property including the land, and there is already €75,000 net of incidental costs invested.

The disposal risk for the bank is therefore probably manageable.

By the way, I am currently financing €260,000 myself with a net income of €2,200 in a household of three.

I stand by it, realistically it is 1.95 - 2.10% under the assumptions made above. Everything else is just a nice profit for the bank.

Of course, I cannot speak for all banks, who can. Therefore, I do not want to rule out that there are banks that take the general creditworthiness as an (additional) basis. I would most likely see those banks as ones that want to get the last cent out of their own offer with aggressive conditions, but absolutely do not want to take any risk.

An example of this is, for instance, the KFW, which in some programs makes the interest rate dependent not only on the loan-to-value ratio but also on the general creditworthiness (e.g., for photovoltaic systems), where a risky investor gets a completely different interest rate than a solid company with low risk.

The majority of banks will only use the business creditworthiness as a basis or, if the personal risk for the bank is too high, will immediately reject the transaction altogether, regardless of flat rates; in the long run, it has to fit. This is also one reason why personal creditworthiness is irrelevant. With 30 basis points, a bank makes an additional interest income of 750 euros in one year on 250,000 euros. According to experience, most (especially tight) financings fail in the first 2–3 years. This maximum of 2,250 euros "profit" does not really help the bank in case of realization when considering the sums involved here.