So... We partially financed our property variably (with a land charge entry) and now fully paid it off in early December with a special repayment. A very big advantage of a variable financing is—and many forget this—the option of full special repayments at every interest adjustment date. In our case, we used this twice and paid exactly €333 in interest on a loan of €55k. So we are now entering the house financing phase with the paid-off property and still have €9k equity left. What is currently becoming clear, however, is that apparently every bank calculates its "internal" loan-to-value ratio on its own. Thus, it can happen that the purchase price of the property is not the basis for valuation. A Sparda seems to calculate very conservatively here (since today really cool conditions, 1.71), a PSD (with still good 1.9%) rather less so. I can report to you at the end of the week whether it made sense to put almost all equity into the property. Because the application will go out by the end of the week.