How is a 400k loan financible without equity? Net equity at €4,500

We have very expensive cars. Together 800€ leasing per month. [..] We don’t indulge ourselves much

Rent is 700€ including utilities.

That is always the question... It has to be considered individually. No one can give you a flat amount that you should additionally set aside per month. It's all a bit wishy-washy... if you want solid statements, you should really fill out this questionnaire sometime, somehow the situation is not quite clear at the moment

Should we have saved more? We both studied before. Therefore, I don't find this statement correct.

Rent is 700€ including all costs. There won't be a double burden since it's my father's apartment. We have very expensive cars. Together, 800€ leasing per month. These leases will expire soon, and we will limit ourselves to 450€ total. I work in the car. I only have 70€ fuel costs left. She has 120€. Each of us currently has 1000€ freely available, of which we save 500-700€, depending on costs. We don't treat ourselves to much.

Well... The statement is not necessarily wrong

Studied until 32 and saved nothing? I'm 28, also have a degree and have already saved considerably more equity. After high school, it's possible (your year of birth probably '88 or '89) to finish studying by 25 and have the first job secured. So it's not that far-fetched Your girlfriend at 27 could also already have 5 years of work experience.