Parental home as security

In another thread, the homebuilder (who apparently no longer participates in the discussion) describes exactly the situation. If I’m not mistaken, studying therefore debts, current salary is okay, and an increase is possible. But he is only 26. I think you can still save for 4 years. But everyone should do their own thing, I just find it "bold" to start with negative equity.

Besides, I am not a [austerntaucher] but I own my [perle].

Besides, I am not a pearl diver, but I own my pearl

Now that's what I call a compliment - hopefully, the pearl is reading along.