General questions before bank appointment

The question doesn't arise. We really did our homework here. Nothing is allowed to go wrong. The problem is, as you wrote, the second house. I will not pay anything for insurance / maintenance, etc. The 1000 euros (monthly rate for the small house), which was deliberately set low to never get into trouble, will blow up in my face at the bank appointment. The actual income of the parents-in-law does not appear anywhere. It's really about how to properly package the whole construct for the bank. Now I'm at 5900 euros per month including "rent". Of course, that looks bad with this volume.

What is there to package? You need €730k and according to your statement you have €500k equity. The valuation of the property is done by the bank anyway. They will tell you whether they assign €500k for it or not.

And an income of €4500. The €1500 cold rent will probably not be fully credited by the bank.

Please write your experience with the bank here. I would really be interested.

Gladly. However, it may take a few more days until I schedule an appointment. The bank calculates 80% of the standard land value for the property. I have the value from 2015. It is recalculated every 2 years.

Long time no see ... But I promised to write again.

The bank went very well overall. There were no problems.

The volume is now at 750K.
Equity at 700.

Net income as of today is 5200 euros.
Rent 1500 euros.

Of course, several loans were taken out from it, with the own house being paid off considerably faster
and will be paid off after 21 years.

I have not divided the property yet for various reasons.
But that is not a problem afterwards, right? Because it is important to me
that in case of emergency one could sell off one half.