Relation Construction sum / Financing - Survey

I understand what you mean, but I am not expecting the % rate. I wanted to find out how much importance is still placed on these numbers. Because for me, it is the cornerstone of secure financing. And so far, all users have adhered to both benchmark values or were able to compensate for a poor value with a very good value. Advertising for 100% financing is everywhere, but who actually does that?!

Many do it and the banks go along with it, otherwise they wouldn't make any money at all

25% equity contribution, 23% of the income as installment (5% repayment).

22% equity contribution and also 22% of the income as an installment.

100% financing and 34% of the income as the installment. The latter will change with the civil service appointment of my husband (sometime within the next six months) then to under 30%

Very unusual for us: 65% equity (of which 5% from the parents), annuity 30% of net income, repayment 11%, and thus within 9 years. Then we will be 52 and 47 respectively.

I was once ingrained with 40% equity in my youth (90s), and I have remained at that level. And that in the financial world the saying "this time it's different" usually comes very expensive, I also learned in 2000 and 2008....

The financing is the result of a high savings rate over 10 years as well as a fairly inexpensive house (mid-terrace) without much bling-bling in the outer area of the commuter belt. We wanted to have it paid off quickly, so within 9 years it will be possible even with a lower burden than during the savings phase (back then still renting). Also that the 60% work of my wife has now been reduced to 0% for a peaceful pregnancy and own childcare is still included. For many very conservative, we find it ideal. For that, we have probably stayed well below our means (compared to what others in our situation here finance), but overall we are happy with our house and the situation.

Can we maybe agree that when someone writes something, the construction sum, when it was built, and how expensive the construction was should be included; the age of the builders would also be useful. Especially how the equity capital of 50% and more is composed—I assume most already owned something.

Example for us

20% equity capital through sale of property
34 years old at the time
Construction start 2015, contracts from 2014
Construction sum 450k including land
30% of the monthly net income goes toward it
I would do it again anytime.