Financing Single-family house 520TE current market situation / year-end business banks?

Until when is the offer valid?
Or is this an old offer from years ago?

Until tomorrow noon.
Unfortunately, we also assume that if it goes to the examination, it will be more expensive or rejected...
We'll see. Tomorrow we still have a meeting with a
consultant

I would ask at the local Sparkasse or Raiffeisenbank. They often have surprisingly good conditions because they can accurately assess their own real estate market and the labor market situation.

I also had the problem....

Wife currently no income, but permanent employment contract, plus 6 months probation period.

Have through the Sparkasse 422k loan. 3.65% 15 years

I also had the problem....

Wife currently no income, but permanent employment contract, plus 6 months probation period.

Have a loan of 422k through the Sparkasse. 3.65% 15 years

Currently concluded? That would be okay for us like that …

Currently completed? That would be okay for us ...

Sorry for being very direct now, but take whatever you can get.
You are under time pressure, the initial repayment is far too low, and you currently have only one income. So you are not considered preferred customers by the banks. Therefore, I wouldn't expect dream conditions if I were you.

Interest for 30 years OK, repayment is harakiri