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

Well, that is independent of consumption. 10 years ago we financed 200k€ and the amount seemed huge to us. The follow-up financing of 130k€ is more like "And what else?".

I have fully financed. Full repayment, repay otherwise it lapses.

No longer an option to push the price down?

Regards

I'll put it this way, I've already negotiated quite a bit. In two stages.
The risk here would be that it then goes to another interested party...
The current point (two small children) for the house is perfect at the moment

How does the combination with KfW look concretely? And what conditions would be attached to it? The promotional loans must also be taken onto the banks' books, i.e. if the pure bank loan doesn't go through, the KfW one won't either. Of course, if you can get a repayment grant or significantly lower interest rate, it can make sense. For the promotional loans I know, the fixed interest period is always only 10 years

Looks like this then: ING Amortizing loan KFW Owner-occupied property (124) Nominal / Effective* 3.43% / 3.52% Nominal / Effective* 3.26% / 3.31% Loan amount €326,000 Loan amount €100,000 Fixed interest period 10 years Fixed interest period 10 years Monthly rate €1,475.15 Monthly rate €501.04 / €271.67*** Mixed interest rate**: 3.39% / 3.47% Your monthly payment: €1,976.19 unfortunately only 10 years.

...that's "only" 426k€.

Here are the key data again briefly:
Purchase 520TE
Additional costs approx. 35TE
Modernization 100TE
Equity (depending on how much of the modernization we include in the loan) max. 160TE

520 + 35 + 100 - 160 = 495k€.
Where do the missing 69k€ for financing come from?

...that's "only" 426k€.


520 + 35 + 100 - 160 = 495k€.
Where do the missing 69k€ for financing come from?

this is our leverage with an existing home savings contract. Here, just over 30k€ have been saved and we can take 30k€ as an unsecured loan without a land registry at 2 percent. here is a variant where we do not finance the approx. 100k€ through the main loan, but 60k€ home savings contract + 30k€ equity (we can save the 10k€, e.g. guest bathroom, front door, only next year)

this is currently my favorite, as I still haven't received confirmation that it is advantageous to run the renovation/refurbishment costs through the bank. Advantage of the home savings contract: I don't have to provide proof (that suits us because we want to have some things done by friends/acquaintances)

sensible?

Ah, now we are including an already existing [Bausparvertrag] because there is still plenty of time until the end of the year? Sorry, but I am slowly losing understanding of you. On the one hand, everything must be done quickly and on the other hand you want to combine [KfW], bank, [Bausparvertrag], and the offers are not good enough for you. I'm out of here.