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

Right. I am Head of Financial Controlling at a 100m company. I think I have some knowledge of finance

In general, you have to say that it depends a lot on the way of life and what else you do and want in life. A family that wants to go on a ski vacation at least once a year and at least once take a 2-week all-inclusive vacation by the sea in a somewhat more expensive area needs a few thousand euros more per year than a family for whom 2 weeks of vacation in a normal hotel or camping or whatever is enough/fun and who are completely satisfied with that. Going out to eat steak 1-2 times a month for 30€ per steak or grilling it yourself at home—or other restaurant visits. If you like buying new clothes often that cost a lot or technology that you actually don’t need for everyday life, or if you have other expensive hobbies... Therefore, it is very important to realistically consider your own expenses beforehand, think about whether in the future you might prefer to spend more money on hobbies (in the sense of "I have never been on vacation before, but it has always been my dream to go to a cool hotel for 2 weeks every year"). Unexpected things (maybe you will become a technology fan in the future) should also be included in the calculation, as well as the fact that many things “always get more expensive.” Prices sometimes rise more than your own salary. Expenses for possible repairs to the house or equipment must also be taken into account. Washing machine, stove, maybe a new sofa, new TV, etc. always come up every now and then. But here too, the question is whether a TV for 500€ is enough or whether you want the latest technology for 2000€ or more, or take a middle path. Just be honest with yourself when calculating and don’t sugarcoat anything. It’s better to have more money at the end of the day than to be unhappy in your free time because of the house. The following: Statements like “4,500 net is too little or is enough” is always a question of “life attitude.” Too many factors go into it. In the end, you have to compare a real list of your expenses per year with a list of income. What remains after all fixed costs, and does this surplus cover unforeseen costs without having to give up something for yourself in everyday life.

No problem. Can handle moody women well

I can do that. Our loan will be approximately €420,000 - €450,000. We are bringing equity of about €130k through the property. Net income is over €6,000 (both earn around €3,000 each). Both jobs are crisis-proof. No more plans for children (1 child, 8 years old). And I am worried whether we can manage. It may be subjective. But our conditions are much better.... Of course, this is because I always have the family in mind. What if... In families with financial problems, issues arise more quickly, etc. Better to be happy in an apartment than to turn every penny twice in a house.

So you belong to the species characterized by an exaggeratedly strong need for security. In this form, one could almost call it a complex. I just want to point out that this can massively slow you down in self-actualization. You can already notice it yourself: "And I worry whether we’ll get by." This statement, given your circumstances, obviously has nothing to do with reality. Objectively considered (average household expenses, etc.), you can only not get by if, compared to the average population, you maintain a very extravagant lifestyle.