House construction project with terrible credit rating and almost zero equity capital :-)

Unfortunately, it is not clear where you want to build. However, I too am of the opinion that you should wait a few more years and save. Take a look at #35 and #43 from and They have summarized it well and are also objective. But even in the unpleasant answers there is a lot of truth. Although you were warned against accusations for yourself, it says nothing about what you think of such harsh words. Read them! And consider whether, as a banker, someone like you would lend several 100,000€. You would! Because without equity and with a salary of 3.3, you won’t get much and not enough for building a house. Yes! We are that damn blunt here. Again and again, often and constantly there are real friends here who put the blunt truth on the table without beating around the bush. When you come first with the whining tactic and the stick-fetching method, some don’t understand that behind the sugarcoated criticism is a NO.

Yes! We are so f****d up here. Again and again, often and constantly, there are real friends here who put the plain truth on the table without beating around the bush. If you start with the whiny tactic and the bait-and-switch method, some people don’t understand that there is a NO hidden in the sugarcoated criticism.

Yes! We are really that sh**** here. Time and again, often and constantly, there are real friends here who straightforwardly bring the direct truth to the table without beating around the bush.
If you start with the whiny tactic and the stick method, some people don’t understand that there is a NO hidden behind the sugar-coated criticism.

Sorry but anyone who takes "learning contraception" and "hey are you actually being tested" as the absolute truth and believes that something like this is okay, should quickly withdraw from such forums.