Property in good condition financable?

Parental allowance is capped at €1,800, so no €2,240...
And no bank accepts future salary increases in the calculation...

I'm slowly starting to feel trolled...

True, I was not aware of the maximum limit of €1,800.
That is another topic I need to deal with.
The calculation with the salary increase was only a hypothetical example to consider whether it would be realistic if we were to have a child in about 5 years and a salary would partly or completely disappear.
This hypothetical calculation was not intended for the bank.

On the topic of the car: Do you perhaps have any helpful advice? Or is there no other option for me but to lose a third of my down payment and change the car?

Talk to the bank / an intermediary. Even without the car (burden), I see a more than big question mark over the financing. Not that you sell the car and still don’t have a house.

Just out of interest: What kind of car is that?

Talk to the bank / a broker. Even without the car (liability) I see a more than large question mark on the financing. Not that you sell the car and still don’t have a house.

I would still exchange the car for a sensible car, as it hinders saving equity. The maintenance and certainly also fuel consumption are mostly wasted money.

Just out of interest: What kind of car is that?

It is a BMW G20 M340i.

I would still trade the car for a sensible car because it hinders saving own capital. The maintenance and certainly also the consumption are mostly wasted money.

Unfortunately true.

Maintenance and definitely also fuel are mostly money thrown away.

BMW G20 M340i

Definitely not money thrown away. I would enjoy that too. Tip: Find yourself an employer with a company car. That way you can get a car like that (or a fun car) on much better terms. And if so, then buying/building a house is exactly money thrown away – you don’t really need a preferably detached single-family house with great features and a large plot. A rented and exactly fitting apartment is – as long as the saved money is not squandered – the financially far more attractive option (statistically proven, provided you save the surplus in parallel until retirement).