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

Who cares what the neighbors might think? Just because you have a cheap car doesn’t mean you couldn’t afford a more expensive one. Maybe you just don’t want to. This also applies to other things (grill, garden furniture, canopy, etc.). Let the neighbors stare stupidly and think what they want

You don’t understand. It’s not about what you might be able to afford but don’t. It’s about what you can still afford when you "buy" a house.

You don't understand. It's not about what you might be able to afford, but don't. It's about what you can still afford when you "buy" a house.

exactly

but as I said, it's all good. Everyone should do as they think. From a calculation point of view, every bank will go along with the project

So at least some equity is available. When reading, I also get the impression that you could have saved more, but you initially set other priorities, the keyword cars has already been mentioned, I also saw the iPad. That is perfectly fine in itself. However, I automatically interpret that you certainly want a certain standard in the house as well, which may not be achievable with your stated house price. Therefore, you will have to bite the bullet or really reconsider where your priorities lie and where you then make compromises. Once you have read up here in the forum, you will notice what nice things can be installed in the house and how quickly a few thousand go away for gimmicks.

It still looks strange, though, when you put up a house and then have no money for other things.

Find the mistake. 1. In whose eyes does it look strange? 2. Jumping from "old car" to "no money" is very outdated.

Find the mistake.
1. In whose eyes does that look strange?
2. Concluding from "old car" to "no money" is very outdated.

Please read all posts first before you conclude anything from a post. I’ll quote myself:

You don’t understand. It’s not about what one might be able to afford but doesn’t. It’s about what one could still afford if one "buys" a house.

And now find the mistake in your statement....

2. Concluding from "old car" to "no money" is very outdated.

However, nowadays this is probably not so rare, given all the tight >100% financing deals that have been granted in recent years up to the present. Thanks to the low interest rate phase. Often, what’s left then is just the rust bucket(s) and the holiday at the lake. Personally, I don’t know anyone who, out of genuine conviction, drives 15-year-old cars that need repairs every few months.