Home loan Ergo and Hanseatic - what are our chances?

Hello everyone,

I have already asked a question about our loan application and now wanted to add some updates:

• Income: My income is €2,800, my wife's is €1,300. Additionally, we have rental income of €550 and receive child benefits three times, so our total income is almost €5,500.
• SCHUFA score: My current score is 95.9 and my wife's is 97.5.
• House purchase: The house costs €395,000 and is being sold privately, so without realtor fees.
• Financing: The financing is to be divided as follows: €355,000 through ERGO and €45,000 through Hanseatic. We are also contributing €40,000 in equity.
• Monthly burden: The monthly installment for the new loan is €2,125. Our existing installment loan with a monthly burden of €300 will be replaced by the new loan.

The application was sent on Tuesday, and now I am quite nervous and wondering how high the probability is that we will get approval, and when we can expect feedback.

Has anyone had similar experiences or can provide an assessment of how long the processing might take and whether the chances are good?

Thanks in advance for your answers!

You already posted the same question, didn’t you?