Knowing the credit limit one year in advance – is that possible?

You are worried about the interest rates, right? Otherwise, there would be no reason to bring up the topic a year in advance. In that case, I would either go for a forward loan or the option to buy now and rent for a year. Most likely, the interest rates will rise a bit; personally, I don’t expect more than 2-3 tenths. But I’m just a guy on the internet throwing out forecasts in a field where predictions are almost impossible ;) Anyways... if the interest rate topic is the reason, then now is the time to take action. And if it leads the bank to say "come back after you get civil servant status, then it won’t be a problem anymore," then so be it. You have nothing to lose

I would keep an eye on the interest rate front and officially purchase now and, as discussed, rent it out to the parents or offset it against the purchase price. The rest should usually not be a problem. Always go to the house bank and simultaneously work with an intermediary.

Hm, I think my initial post was not clear enough.

My parents want to know NOW as precisely as possible what we can afford to pay in about a year. Because they want to use the selling price roughly 1:1 for their new one and want planning security: Which price category can I already look at/apply for? Since we want to finance about 100%, it is interesting how a bank would lend on the property.

I have two problems with that:
a) No idea how to sell such a story to a bank. Advise me now for a situation in a volatile environment in a year, then I might get back to you?
b) Our current job status. That is actually safe, but on paper a fixed-term employment contract ends soon and is supposed to be converted into a civil servant position, and in case two a probationary period is currently ongoing.

It’s about a MARKET value estimated at 350k - 400k, income 5,800k/month increasing, no children present or possible in the future.

Thanks for the previous contributions.

What is stopping you from discussing and exploring possible scenarios with your house bank and intermediary(ies) in the same way? The request is not that unusual, nor are the variables that play a role for you. Why is the option "buy now" (regardless of time limits, etc.) not possible? The point of clarity about your parents' budget is definitely met with that.

It is about a MARKET value estimated at 350k - 400k, income 5,800k/month increasing, no children present or possible in the future.

Then it should not be a problem. We would have received a maximum of 550k from the bank and had less income than you.

I do not understand why it matters to your parents to get 10,000 when selling to the only child. You just have to agree so that both are satisfied. And our bank did not even inform us of the determined market value. I have read this differently here, so it probably varies from bank to bank.

I don't understand why it matters to your parents to get 10,000 when selling to their only child.

I can understand that if they are looking around themselves. They are apparently moving into a new apartment (because of the "projects" and the year lead time). Honestly, if I free up the house, I still want to live nicely, and if I commit now, I want to be able to afford that later as well.

But I would also approach the house bank. Why shouldn't they be able or willing to help?