Possible funding amount / limit

I just have a calculation from Ing-Diba here (which, by the way, are a joke when it comes to household budgeting: ~920€ for the first adult, 200€ for each additional adult, and they don't care about children at all

I can't confirm that, they calculate with flat rates depending on the income. But whatever.

To the thread starter: The ratio of income to financing rate seems very ambitious to me, and my question to Imago85 is whether all non-eligible ancillary construction costs are already included in the 107% financing (e.g. property transfer tax, notary fees for the purchase contract and land charge, district court / land registry office, etc.)? That quickly adds up to a five-figure amount.

Who also gives the TE the certainty that 470k is enough in Bavaria. I also somehow consider that cheap. Cheap means additional financing and then they have a problem

After reading this, I feel dizzy. With similar parameters, half of the amount was classified as difficult to impossible for me back then. However, the banks were more relaxed than the forum despite the new credit guidelines. And although I was quite relaxed about the financing, I wouldn’t be able to sleep well anymore with the amount mentioned here.

But one thing I will definitely consider next time: I will overdraft my account to increase the bank’s trust in me.

But one thing I will definitely consider next time: I will overdraw my account to increase the bank’s trust in me.

The bankers may correct me, but the Schufa scoring is actually improved by properly serviced credit obligations. It shows that someone handles borrowed money responsibly and pays it back as agreed.

Note the smiley at the end. My post was not meant to be taken completely seriously. But I still find it strange that someone with debts is rated as more creditworthy than someone without - that was what I wanted to express.

Especially these consumer loans are out of the question from my point of view. Ongoing car financing is also unacceptable; it wasn’t easy to convey that to my lady, and to get rid of the newly financed car in favor of an older one paid for with our own money. Unfortunately, BAföG was not an option for me, I started studying two years too early after my training, otherwise I would have received it.

I haven’t had anything but debts in recent years. First the condominium, then the plot of land, now the construction loan for the house. High score, I would say.

I haven't had any debts in the past years either. First the condominium, then the plot of land, now the construction loan. Highscore, I would say.

I know that all too well... but so what?