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

General information about us 32 and 27 years old No children One child planned Strategic purchaser, civil servant Full-time

Income and asset situation 4700€ net Income increases for him by 250 net every two years, three times Income for her also increases On parental leave (earliest in three years) 1,500€ for her, after parental leave 1,800€ + child benefit Equity 20K 20K into the project, additionally 20K will be available at the start of construction

Housing costs: Cold rent 440 Warm rent 670 Electricity 30 Internet 30 Mobility costs Cars 550 monthly Vehicle taxes 0 Vehicle insurance 0 Fuel 240

Insurance Private health insurance 300 Liability 0 Disability insurance 30 Household insurance 0 Long-term care insurance 90 Retirement provision 80

Living expenses Groceries 400 Mobile phone 65 Sky/Netflix 40 Covered by Christmas bonus Car taxes 500 monthly 42 Car insurance 1200 monthly 100 Liability 160 monthly 13 Household insurance 100 monthly 8 Total 2000€

Total income and expenses Total income and expenses without Christmas bonus Total income 4700 Total income 4700 Total expenses 2525 Total expenses 3000

House Land including notary etc. 80000 House 290000 Additional construction costs 55000 Equity 20,000

405000

Additional equity 20000

Conversion of rent into repayment + additional costs (1500) Remaining 1375 Remaining 1225

Are the 1500 in parental leave including child benefit? That doesn’t start only afterwards.

Aha, so where is the 50k equity now? 20 there and 20 planned. One should be able to distinguish between actual and planned

To be precise, there are now more like 20k available. Almost 30k. And in two years, when the loan is supposed to start, there will definitely be an additional 20k available. I thank many who try to help seriously. But members like you just hated or criticized. It was no help to me. And if you already want to determine here what we should have saved and how can someone finish their studies so late, how do you want to save later? No one knows the personal circumstances, etc. that is an absolute presumption.