What is possible at all?

Then I would like to (as someone who often critically examines financing) add my two cents again: I think it is absolutely fine if you have not yet saved any equity.. no matter what age. No matter what reasons. Vacations & a high standard of living, divorce, bad business or simply due to a long study period. Every reason is legitimate.

I myself have "lived through" a really large part of my income for many years. Our house would probably have been paid off by now if I had consistently saved from the start of my professional life. But I didn’t :) For that, we have already seen a lot of the world.

So that is okay. If now the idea of building/buying a house matures, you should be able to adjust your life for a certain period of time (quite a few years.. for me it was about 5-6) and save equity together. During this time you learn a lot (at least that was the case for me) about handling money.

No equity is therefore not generally bad. The difference is: "I have a high income, no equity and build immediately" OR "I have a high income, now save equity and then build" ;)

Regards, Steffen

But the question is, _how much_ do and must I reveal about myself in order to get answers?

For example, Musketier pointed out to me that a person can indeed be identified through certain information they write helpfully ... even if they write under a nickname. The Doc reminded me that if I reveal just a little more about myself personally, I shouldn't be surprised if with just a few clicks a complete picture of my personal circumstances emerges. Both are right! In this respect, I am not surprised when stereotypical answers regarding available cash are given, and the respective OP disappears.

I can't necessarily disagree with that. Nevertheless, there first has to be an interest or need to want to identify someone.
From a tentative profile with a few basic pieces of information in the thread regarding income and savings rate, no one can identify a person. Informative life situations also do not help curious readers in finding individuals.
Silent readers from the financial industry don’t have to puzzle anything together here, since they get the balance sheets on the table anyway when an OP / loan seeker attends an official appointment.
So, one just has to keep things in perspective.

I even question this OP here anyway, as female in the profile and my wife is mentioned ;) That makes it even a wasted effort for a moderator to question what is true.

Unfortunately I can only answer now. Each of us has been putting aside 200 euros per month for 3 years. But until now, we have also lived well with many vacations.

An OP who posts a quote like this doesn't have to be surprised if this is questioned. He has put himself in the spotlight. The financial advisor will also ask these questions.

In this respect, I believe that those who do not even dare to post facts here that could concern many, in order to get an answer from the forum about the possibility of financing a property, probably do not even have the guts, due to their insecurity or ignorance about the Internet, to consult an official advisor. Possibly also precisely because the mirror is held up to them – whether here or there.