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

You are not poor, nor are you overindebted. However, you will not be able to afford a house. Just the constant contradictions in the numbers alone. Again, you will get a house loan. You just won't be happy with it. The income situation, children, lack of savings rate. Unfortunately, it is always a typical picture when someone creates a thread and asks for feedback. But woe betide if the cheerleaders are not around. Anyone who gives even somewhat negative feedback is stupid, dim-witted, a jealous person, and a hater. Signed, banker with a net income higher than you two together and only one apartment that will soon be paid off

Sorry, but that's just nonsense. With a net income of 4,500, you can, if you're willing, easily repay a loan of 400,000 - provided you forego additionally saving 1,000 euros every month.

Congratulations my friend. It was also important to mention again how much you earn net. Mom is proud

I'm neither friends with you nor are you my mom. I especially think civil servants can't handle the truth

400k will not be enough. You are trying to build and finance according to budget. Desired equity not available. Child planning not completed, cars expensive and on loan. You don’t even have a house building calculation. It will not work. Your scenario: expensive refinancing, drama at the kitchen table

We are still proud of your achievement. At least someone And Werder is playing in the relegation. Would you have thought that? It worked after all. And how