Financing with equity

The standard case includes at least the additional costs (notary, court, [grunderwerbsteuer]). Flat rate (if there were such a thing) is said to be 15-25% of the purchase price. Deviations downwards and upwards always exist, of course. Asking the bank is the only correct and effective answer that will actually help you concretely.

I suspect that someone here does not yet understand the total costs, which will be significantly higher than the house price.

15% would be about €30,000. That is deducted from the 100%. So from the €227,000. So we would get €297,000 from the bank, right?

Then we have to pay 2+6.5% additional house costs, right?

15% would be about €30,000. That will be deducted from the 100%. So from the €227,000. So we would get €297,000 from the bank, right?

Then we have to pay 2+6.5% additional house costs, right?

your post is too confusing for me

297,000 in the post should probably be 197,000 (227,000 - 30,000 = 197,000)

If the bank doesn't do it - at least you should have it clearly in mind: At the end of the day, all costs associated with buying the house must be paid. These are the costs of the property, notary fees, district court fees, property transfer tax, ..., up to kitchen, moving, etc.

The resulting amount must be paid by you. Whether with equity or credit is basically irrelevant, only which parts of it a bank grants you credit for depends on your personal situation and the property.