Part-time "small business owner" impact on the loan?

Hello everyone,

I am currently applying for a (house) loan at MHB.
I am employed as a regular employee and do some smaller programming jobs on the side. These are carried out under the so-called small business regulation and are declared in the tax return using the income surplus calculation. That means it will never be over €17,500 per year.

In 2016, it was €450, and in 2017, €2,666. This year, the trend is slightly lower than in 2017.

Does this have a negative or positive impact on the loan approval? MHB at least requested the income surplus calculation and is now reviewing the whole thing.

Income is always positive. As a programmer, you hardly have expenses like retailers do.

Nevertheless, he falls into the category "Self-employed". The auditing effort is higher there. There are also banks that do not want anything to do with the self-employed.

Nevertheless, he falls into the category "Self-employed". The audit effort is higher there. There are also banks that don't want anything to do with self-employed people.

Even if I don't list that under my income?

An entrepreneur can also incur losses or require high investments. This may not apply to you specifically, but the bank naturally wants to check whether the business increases the credit risk or even poses the danger that your main income is reduced.

Ok, that surprises me somewhat. Especially since I rather have it running as a hobby and only do small tasks for two or three customers. I have no costs since I only sell and am allowed to sell services in the form of programming.

Only some travel expenses, domain costs, and my PC I consider as costs.

Does it make sense to give up the small business!?