Is financing possible with ING?

To make this clear again: The €48,000 will be added to the property value. They must be provided accordingly or must flow into the property! Since you are not doing this in cash, you will do it in the form of work, i.e., personal contribution. This, like the use of equity, must be proven! That means the bank will expect proof of personal contribution worth €48,000. This is, simplified, about 900 master hours that you must perform and prove yourselves. (Probably about 1600 layman hours). This corresponds roughly to a full working year of a person employed full-time. Is that clear to you? Do you understand what you are signing? By the way, the services of the father-in-law, which you mentioned several times, are also not free, unless he wants to commit a crime. He cannot pass on services from his business, including his employees, to you at cost price. He better ask his tax advisor before making such promises.

The 48,000 was NOT planned by US but he did it and explained how it works.

Oh no, some own labor accidentally sneaked into the financial construct! How could that happen if you didn’t want it at all... Sure, it can happen sometimes, everyone understands that. Especially the Ing-Diba. Oh well, the builder is a jack-of-all-trades anyway and just installs the house connections himself and then simply gets the money gifted through free labor and gifted materials from dad. Obviously.

I have to honestly acknowledge: You’re really doing great.

I (f) 30, net income (part-time) -1830€

on my part (travel every month, etc.)

Am I correct in assuming that you are self-employed and therefore indicated part-time (due to underutilization)?

A 165m2 house is to be built on it (city villa, without basement).

Is this actually a tied sale? So is the plot tied to the developer, here the company Ewa Hausbau? If that is the case, then property transfer taxes apply to both the house and the land. The bankers here can explain it better

What do you want to say with that?

That even a civil servant is paid transparently according to a salary table and, if you know how old he/she is, you can calculate what is on the payslip.

That even a civil servant is transparently paid according to a pay scale and, if you know how old he/she is, you can calculate what is on the pay slip.

... But he does not voluntarily show you his salary/pay slip.

I (f) 30, net income (part-time) - 1830€
Husband (m) - net income (full-time) - 2730€ + 13th salary (included in the financing) + self-employment (at least 500€ / monthly – we left this out)

Loans: Husband 280€ / monthly - car loan, but actually a consumer loan taken out Remaining debt: 15K€ (still 3-4 years term)
Me: camera - 50€ monthly + phone 40€ monthly until 2023

Current rent: 660€ warm (but we have to move in the next 1.5-2 years due to lack of space).
[..]

Equity: due to a very generous lifestyle on my part so far (traveling every month, etc.) no significant equity: 30K€ in the account. Of that, we have declared 20K€ as equity. Now we are purposefully saving monthly)

You wrote something about your now serious saving – something like you 700 and he 300-500? So you manage ~1300€ and almost 1/3 without the self-employment income. How long has that existed? And is it feasible alongside the job & house construction? You work part-time before the child. Public sector? Is your idea of increasing to full-time even doable?

>> Loans: Husband 280€ / monthly - car loan, but actually a consumer loan taken out Remaining debt: 15K€ (still 3-4 years term)
At 3-4 years and 280€ monthly, of course, something in the four-digit range remains to reach 15,000€.

Otherwise, on paper you have 4500€ per month for the bank and no equity. Question to the bankers – does the bank count the 13th salary from the past, or is it disregarded like with the state & parental allowance?
The credit limit will be somewhere around 100x to 110x your income, if you look at past benchmarks. But banks have tightened their requirements for some time now. So it will be quite tight. Interest terms probably won’t be so good either.

I see more of having a child, buying land & really saving. If prices keep rising, it’s game over anyway…