What house construction options are available under these conditions?

3) Do the parents already own property? 6) Is an employer loan possible?

What does that come down to? 3) Registering a land charge on the parents' house? 6) What happens if you terminate the employment contract with this employer?

These are both special issues that, in my opinion, have no place in a normal financing.

What will this lead to?
3) Register a land charge on the parents' house?
6) What happens if the employment relationship with this employer is terminated?

These are both special topics that, in my opinion, have no place in a normal financing.

Topics that must be addressed and discussed in every real estate financing. The decision under the aspect of pros and cons always lies with the consumer, not with us advisers, consultants, bankers or know-it-alls.

The termination of an employment relationship does not necessarily have to result in the loan becoming due or be linked to it; there are also consumers who do not even think about the termination of their employment and have to fear it, and even if, a new loan will be taken out elsewhere and the employer loan will be repaid. However, it was present as externally financed equity in the implementation of the project and improved the long-term interest taken, as it improved the loan-to-value ratio!

Individual consideration, the consumer is at the center, and in good financing advice, everything, absolutely everything, must be put on the table for the individual creation of a financing concept, and then the puzzle pieces are put together according to the wishes and ideas of the consumer.

I would never come up with the idea of deciding for a consumer or determining what the best individual financing concept is!

I've already gone through several financings, but no one has ever asked about my parents...

Basically always to question, also to get to know the consumer's environment.

I would be disappointed as a father if my two boys did not include me in their considerations regarding any security that can save a lot of interest.

Basically always something to question, also to get to know the consumer’s environment.

I would be disappointed as a father if my two boys did not include me in their considerations regarding possible security that could save a lot of interest.

I think you would only be disappointed if they did not finance through you

Individual perspective, the consumer is the focus and in good financing advice, for the individual creation of a financing concept everything, really everything has to be put on the table and according to the consumer’s wishes and ideas the puzzle pieces are then put together

Here come the consultant clichés again.... do you have a collection of text modules that you copy in here?

Anyway, add two more points to your question lists:
1. Already collected monetary gifts from parents and friends? Counts as equity capital, does not have to be repaid.
2. Collected interest-free loans from parents and friends? Counts as externally financed equity capital.

As you hopefully notice, it drifts into silliness to ask about such things.

It’s about what is fundamentally possible here, not about saving the last cent at the risk of one’s own parents.

.... or back to the insults.

Once again, for me, this belongs on the table, addressed, like many other things.

I would like to know what consultant phrases change about the correctness or necessity!

Dependency? Saving at the expense of the parents? Family cohesion?

It’s not a must, and if you don’t know it, don’t live it, or it wasn’t practiced with you, then it doesn’t have to be the case with other families, with other people, right?!

There are absolutely no two opinions on this, and you don’t have to help with principles here, as each consumer defines these differently.

You cannot and should not exclude anything that is acceptable for one person and doesn’t have to be an option for another; also, you don’t know the knowledge and understanding level of the consumers, and I think—as mentioned before—that for an individual and comprehensive financing consultation, all options have to be presented and discussed.