Interpretation of Seller Behavior

Well. The seller sees it quite differently. In the case of the failed financings, it was definitely assumed that the buyers simply were not creditworthy. It cannot be the fault of the house.

We sold our house last year, as is probably known. For us, the argumentation of the "interested buyers" was also quite interesting insofar as the banks allegedly assigned our house a value in the price range of 360,000 to 420,000. Some of the interested parties did not even have the current renovation information - or documents - and thus asked the bank without these current documents. The house was then bought by someone who was able to finance the purchase price --> entirely through the bank.

--> Perhaps an interesting piece of information for potential house buyers or interested parties who are in negotiations:
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Our house buyer presented a letter from his financing bank stating that he must/should set aside x% of the purchase price for renovation/refurbishment in the coming years. I admit, that impressed us. We saw such a letter for the first time and both found that it makes a difference for us whether an interested party says, "yes, I still have to change this and that in the coming decades" or whether a bank explicitly writes on official letterhead that amount x must/should be reserved for renovations/refurbishments. Even if such a letter might be "fake," it appears more credible than if interested parties "nag" and complain out of thin air about what they allegedly still have to invest.
We later showed the letter to our bank officer, and he said that he had never seen anything like it before and would not write such a letter either, but as I said, it at least made a difference for us.

What I also did not understand in connection with financings is that at least 5 interested parties, according to their statements, did not get a loan from the banks because the woman is currently on parental leave. And that, even though some of the women are civil servants. I have also read here in the forum that parental leave seems to be a "knockout criterion" for some banks, but I do not understand it because parental allowance, as I thought, is a secure income. Similar to rent payments that are covered by social welfare.

In the case of a genuine financing commitment, that would be going too far for me. That is a lot of work for the interested party and also for the bank, it takes time. And all that for a property that you haven’t even set foot in beforehand? No, that would be too much for me. A letter stating that the bank would be willing to provide amount X, okay, I can agree with that.

With a genuine financing commitment, that would be too much for me. That's a lot of work for the interested party and also for the bank, it also takes time. And all that for a property you haven't even stepped into beforehand? No, that would be going too far for me. A letter stating that the bank would be willing to provide amount X, okay, I can go along with that.

That is surely what is meant as well.
I can understand that as a seller, with the sheer number of inquiries, you try to filter out those interested parties who overestimate their financial capabilities or cannot calculate properly.
However, I also see a risk here for the interested party that there will be less room for negotiation afterward if they present in advance a confirmation that even the non-negotiated asking price is acceptable.

No prospective buyer is forced to buy a house at a certain price. And negotiations in the sense of "I really can’t afford more" are a high risk for a buyer. In this case, I see the problem with the narrow margin mainly with the seller. If he really calculated 400+ TE for the house and has firmly planned that for the new home...

No interested party is forced to buy a house at a certain price. And negotiations in the sense of "I really can't afford more" are a high risk for a buyer. In this case, I see the problem with the limited room for maneuver primarily on the seller's side. If he really calculated 400+ TE for the house and has firmly planned that for the new home...

The problem here is that the seller sees such a confirmation as proof that his price expectation is absolutely spot on. And the more of these he receives, the more he considers the price to be fixed. However, these confirmations are far too rough and do not yet take into account any investment needs in or on the house, which usually only become concrete figures for the interested party after the second viewing. Trying to reel the seller back in after presenting the confirmation could be difficult.

But a letter of the sort "we believe that we will finance Mr. Müller €500,000" says nothing about the specific property. And I can hardly imagine a proper confirmation just for a viewing.