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

If you have a comparably low rent and two full net salaries but have built up nothing, absolutely nothing in equity, how is it supposed to work with a mortgage?

Anyone who has read the thread knows that the two have not built up "nothing, absolutely nothing," but about 50k.
They just preferred to keep this as a buffer and not put it into the loan. Nevertheless, they have the capital and can use it as collateral.

Was the questionnaire delivered in the meantime? Otherwise, it is almost impossible to correctly compile all relevant information here from what is now already 16 pages of topic. (For example, I have 20 K EUR equity in mind.)

Many "little boards" here.

Tell that to the employees of the German wonderchild global corporations Wirecard and Lufthansa.

In the Munich area, the interested parties are already lining up for the soon-to-be-vacant Wirecard IT specialists.

I find it hard when someone builds a house and then has an old Polo parked, shops at KIK, and takes vacations at the local swimming pool.

For example, I really like driving a 17-year-old Smart and don’t see anything wrong with it. I wonder how that looks? And now you find it hard!

yeah, and who finances the new cars then?

Who even needs new cars? They lose a lot of value (unless you buy the later collector’s items and invest a lot of capital) for some prestige and the feeling of "keeping up." An "old Polo," as you say, costs 2000€, is reliable, has no significant depreciation anymore, and gets the owner from A to B. Of course, an old Renault Scenic works too if you need more space.

Who needs new cars anyway? They lose a lot of value (unless you buy later collector's items and invest a lot of capital) for some prestige and the feeling of "keeping up." An "old Polo" as you say costs €2000, is reliable, has no significant depreciation anymore, and gets the owner from A to B. Of course, you can also use an old Renault Scenic if you need more space.

You can also do it by bike or on foot if you want. But it still looks strange if you put up a house and then have no money left for other things. It's like buying a Porsche but then using steel rims because you can't afford alloy wheels anymore.

It's like buying a Porsche, but then taking steel rims because there's no money left for aluminum ones.

I once rode along with someone, 7 Series BMW, putting regular gasoline in at the gas station, half full, and then wanted to tell me he'd top it up at home with super low-friction oil... of course. The stork brings the children... Equity: it was said he had 20k€ and she 10k€, and each would now save 500€ per month. That makes 54k€ in two years, according to the plan. Why they couldn't start saving earlier... they owe us no explanation about that. Maybe a second-chance education, student loan paid off, doctorate with half a position... to be continued. But if 700€ rent leaves 1000€ over... Adam Riese says that all goes into the house then. Ok, 800€ car lease is freed up, but then again two cars are needed, and even if you get them for half the price... 400€ per month remain disposable. The two have to think about whether that is enough for them. I have 500€ left over after paying what must be paid. From that, vacation still has to be managed, extra money that goes into hobbies, but basically also building reserves. It's actually too little for me, should be more (before starting the project, I calculated it looking much better), but two plans didn't go as expected and bam, I'm missing a few hundred euros every month...

Who cares what the neighbors might think? Just because you have an inexpensive car doesn't mean you couldn't afford a more expensive one. Maybe you simply don't want to. This also applies to other things (Grill, Gartenmöbel, Überdachung etc.). Let the neighbors stare foolishly and think whatever they want.