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

You, after not even realizing yesterday that I am not the OP (what was going on there, Bremen fan and had too much to celebrate?), I actually find it hard to reply to you at all. You are not open to arguments and logical connections anyway. And from a serious "banger" I actually expect that he at least masters the basic rules of grammar and punctuation, which makes every discussion more bearable. Just by the way.

So with 7,000 net you can’t become unemployed, right? You can’t get sick? The woman can’t run off with someone else? The economy can’t collapse? Bold statement, so shortly after a pandemic.

Yes, you can, which is why it is advisable to also secure yourself here, but many don’t do that either. Save up a buffer, take out unemployment insurance, etc. Again, 7k net is easier than 4500 net with a 400k loan.

Again: No one (!!!) has written here "just do it." Where does that even come from?
No one knows how much the project is really supposed to cost because there isn’t even a project yet! The original poster wanted to know if it would generally be possible for him to repay a 400,000 loan, and you can repeat ten times that the 400,000 wouldn’t be enough, that the OP has saved too little equity, that it’s all illogical – the fact is that you can very well repay this sum with 4,500. Even if you set the loan to a lower repayment for one or two years, that is theoretically absolutely no problem. Whether the OP can do that he ultimately has to calculate himself and realistically back it up with a household budget book, but the fundamental statement "400,000 is too much for 4,500" is simply untrue. And it remains so.

You don’t see 4,500 net with children. Fact.

You, after you didn’t even realize yesterday that I am not the OP (what was going on there, Bremen fan and partied too much?), I actually find it hard to even respond to you. You are not receptive to arguments and logical connections anyway. And from a serious "banger" I actually expect that he at least masters the basic rules of grammar and punctuation, it makes any discussion more bearable. Just by the way.

With 7,000 net you can’t be unemployed, right? You can’t get sick? The woman can’t run away from you? The economy can’t collapse? Bold statement, so soon after a pandemic.

And regarding the association, I am and never was a Bremen fan. Even lost track yesterday what

Yes, you can, that's why it's advisable to also take precautions here, which many don't do. Save a buffer, take out disability insurance, etc. Again, 7k net is easier than 4500 net with a 400k loan

Disability insurance exactly covers one of the events. It should be obvious and was never discussed here. Save a buffer, I won't repeat myself again. But apparently, not only writing but also reading is not your strength.
Of course, 7,000 is nicer for a 400,000 loan, but it can still go wrong. You can keep dodging around it.

You don't see 4500 net with children. Fact

Forever or for two years? Let me guess, you didn't read what the OP wrote about this, right?

And about the affiliation, I have never been and am not a Bremen fan. Even lost track yesterday or something

No, but too much alcohol usually explains some confusion. Could have been at least a nice reason for it.

Does that mean in this room full of people you basically assume that you are the most intelligent ("erreichen"), the best educated ("Kinderstube"), and the best off ("Neid")?

No, you misunderstood that.
I would normally see myself somewhere in the middle on the scales. Higher on some, lower on others.
It just means that not every piece of advice will necessarily be helpful.
In my opinion, upbringing and education cannot simply be measured as good or bad. The topic is far too complex to simplify it like that.

And when do you exactly know which advice helps you and which doesn’t? Especially somehow relevant criticism is usually known to be annoying for oneself. At the same time, however, often very helpful in the long run. What always surprises me: the thread title definitely shows €0 equity. And suddenly the tens of thousands just appear like that. Missed 20k, the 20k coming in steadily from the savings plan as well? The question would have been different at the beginning, right? I always find that so strange in these threads. Or suddenly there is a 20% raise, and it fits.

That’s true, I think I expressed myself poorly there. By "annoying" I rather meant things that come across as presumptuous. I don’t know the forum history here very well yet, but in this thread the misunderstanding seems to have boiled over that the OP probably only wanted to ask whether one can finance 400k without equity use. Most people read/ interpreted it as if no equity was available at all. Not to mention stories like “you should have studied faster/ saved more.” Such things are always presumptuous by nature. Not everyone has the maturity at 20 to put money aside for a home. Whoever only made the right decisions at 18, let them cast the first stone. Someone who has an apprenticeship (or none at all), worked a few years in an unsatisfactory job, and then goes on to study, does not deserve to have a "you should have saved earlier" thrown at them. Assuming such judgments about others is always inappropriate in my opinion. No one has ever walked even one meter in someone else’s shoes.