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

To conclude the topic and so it doesn't get too off-topic, I quote the saying of my professorin: "Whoever says more than 'Cheers' is a chatterbox." In that sense: "Cheers."

Wow, bullseye, I should "retrain."

can gladly provide proof if the child is there are €4,500 net for one year

my net 2,700
her net 1,600 because of parental leave
child benefit 200

and that only for one year. then working more again.

the price for the house remains the same! 15 months price guarantee. You fox. And the land is bought from a private seller. So it stays the same. Your assumptions are completely irrelevant. And it will take months again until the first payment is due. So 2 years until the foundation slab arrives. More time to save. And through the BAFA there will be €10,000 for the heating system. These will additionally be used as an emergency fund for problems.

I can gladly prove it when the child is there, it's €4,500 net for one year

my net 2,700
her net 1,600 because parental leave
child benefit 200

and that only for one year. after that working more again.

the price for the house remains the same! 15 months price guarantee. You fox. And the land is bought from a private person. So it stays the same. Your assumptions are completely irrelevant. And it takes months until you pay the first time again. So 2 years until the foundation slab comes. More time to save. And because of BAFA, 10,000 come for the heating system. Will additionally be used as emergency funds for problems.

If you calculate like that, then gogogo. That all looks consistent

Net income is over €6,000 (both earn about €3,000 each).

That's right. I am Head of Financial Controlling in a €100m company. I think I have some knowledge of finance

Anyone who negotiates such a pitiful net salary as Head of Financial Controlling (even at 50% part-time), I wouldn’t really overestimate their "some" financial knowledge *duck and run*

Great conversation here

Whoever as Head of Financial Controlling negotiates such a measly net salary (even at 50% part-time), I would actually not overestimate their "somewhat" financial expertise *duck and run*

Great entertainment here

True. Especially if it is:
A) about hospitals
B) company cars are billed (the farther, the more expensive)
C) a large part of retirement provision is deducted
D) target agreements are not insignificant
E) tax class IV applies
F)....

I do not work in industry or IT. I am aware that I would earn about 30-50% more there. However, I prefer hospitals myself. The environment is much more exciting than, for example, chemistry, where I worked before.

Does one have to justify here now why one is "only" paid €3,000 net after all deductions?

Your answer shows that you did not understand my post

No offense, I'm just here for entertainment...