New construction financing - Is the financing model realistic?

Well, my parents just wanted to contribute a little each month. I thought of a separate account for a special repayment at the end of the year. The additional income of €500 is conservatively estimated and also verifiable. I work part-time as a freelance lecturer and receive fees for the courses. Would something like that count as regular income? Does anyone have experience with this?

So far, my calculation looks like this: after deducting a house installment of €2,300 and the additional house-related costs, there is still just under €3,200 left per month. It is foreseeable for us that in about 3 years, due to a group promotion, I will earn €500 net more. From your perspective, would the buffer be too tight?@hilfehilfe

Your parents might be better off investing the grant for the grandchildren.

Not that you’ll also be in an awkward position with your children in 30 years :)

At Wobau, it is foreseeable for us that I will earn €500 net more in just under 3 years due to a group promotion.

None of that interests any bank. Nor do the contributions from the parents. The bank looks at the current situation. Whether the teaching activity is taken into account depends on the bank. There is no clear yes or no.

Aside from that, with your creditworthiness, it doesn't matter anyway. Your creditworthiness is excellent, so worrying about it is objectively unnecessary. Even if you subjectively see it differently. Says the banker ;-)