The loan inquiry was exactly at the perfect time, when the loan was just at the absolute minimum. (mid to late April) I don’t understand what the constant financing questions are supposed to be about. On the first page alone, there are 10 inquiries about whether one can afford a house with a household income of 3500-5000 to pay a loan of 1000-1500 euros. You can tell everyone the same thing, that it is basically doable. I also find it strange that it is always calculated optimistically. Who cares if you have a paid-off new car now? Does anyone believe that it will last until the house is paid off?! Depending on the class (price range), a car costs between 100 euros (small car like the old Corsa d) and 250€ (Golf without many extras) just in depreciation/financing (larger vehicles naturally cost more accordingly). And yet it is constantly calculated optimistically. A house is the end of the financial wish concert. Unless you are an air traffic controller earning 100,000€ a year, buying a house means that most of your money is permanently tied up for the next 20 years or more.
