What loan amount and how much equity capital should be reported to the bank?

Yes, I also don’t like discussions where respect seems to be missing. You can reread your posts in which you attribute reduced intelligence, lack of financial education, and German risk aversion to anyone who does not want to follow your argument.

Unlike some other posts, mine have always been respectful. It is far from me to belittle anyone. I have certainly not accused anyone of reduced intelligence. That is simply not true. Nor of lacking financial education. And you only read the risk aversion from my introductory words.
Be that as it may, if anyone felt offended or belittled by my words, I am very sorry and would like to apologize. That was not intended.

However, I stand by my point of view on the matter, and everyone may decide for themselves or calculate for themselves what they make of it. I do not expect anyone to apologize to me for the insults. Something like this, for example: "I hope the job title is meant as a joke..."

I simply wanted to present the original poster with a different perspective on things so that he can weigh it for himself. I did not expect to be attacked from all sides immediately, although I must admit that not every counterargument contained insults.

I think that is simply not the way to discuss, tough on the issue but respectful in dealing would be better in my opinion. But never mind. If someone wants to continue the discussion on the matter in a respectful tone, I am happy to participate. If insults come again, I’m at least out of this topic.

So I am of the opinion, just my opinion, that investment knowledge like what, where, and how is the most fundamental basis. You can also learn that and you surely have it. But you only really have experience of what a crash means when you have gone through one. Better yet, two crashes. But please google "Kredit Aktien" or "Kapitalanlage auf Kredit". I think without having googled it myself that there are enough people who have chosen this type in the past. And there were certainly some who knew how to act. Especially if you have followed in recent years that the indices have gone up so much due to serious measures, I would currently never invest on credit in speculative types of investments regardless of the basic attitude. In 2000 it was especially popular in America to jump on the bandwagon of rising stock prices on credit. The trend simply went upwards for many years in the indices. Surely there were also winners who got out early. But for many, greed won over reason. Those are already important experiences from my point of view. You might have witnessed 2009. But that was something different again. Building a house and buying stocks on credit is an even bigger deal. Don’t be too greedy. Stocks are a pretty good form of investment, but it depends on the life situation.

I am clearly of the opinion of Hausbauer1. Of course, this is not everyone's thing but definitely an alternative. In a country where only about 10% invest in stocks, such a "different" way of thinking is quickly frowned upon, as we have already seen.

Just a quick example, everyone can think what they want about it.
House 400,000
Equity account 70,000
Stocks 50,000

There are many different variants here. Some might sell the stocks and then use the full 120,000 equity, while others, for example, only use 50,000 equity, keep 20,000, and also keep the stocks. With a good portfolio of dividend stocks, this is more than sensible, because you can easily achieve higher dividends than the current loan interest. The loan thus partly pays for itself.

Of course, objections about stocks and dividends being uncertain will come again. Maybe, but money in the account is uncertain as well. With a sensible selection, I even claim the opposite. There are companies that have paid and increased(!) their dividends for more than 50 years, without exception! Furthermore, with stocks, you are a co-owner of a globally operating company. For example, if the euro is someday history, all those with money in the account are the losers...

So, in my opinion, just my opinion, investment knowledge such as how, where, and what is the most fundamental basis. You can also learn that and you surely have it. But you only truly gain experience of what a crash means when you have lived through one. Even better, two crashes. But please Google "credit stocks" or "investment on credit". I think, without having googled it myself, that there are plenty of people who have chosen this approach in the past. And there were definitely some who knew what they were doing. Especially if you followed in recent years how the indices have risen so sharply due to significant measures, currently I would never invest in speculative investment forms on credit regardless of basic disposition. In 2000, it was particularly popular in America to jump on the bandwagon of rising stock prices with credit. The tendency was upward for many years in the indices. Surely there were winners who exited early. But for many, greed won over reason.
These are important experiences from my point of view. You might have witnessed 2009. But that was something else again. Building a house and buying stocks on credit is another level. Don’t be too greedy. Stocks are quite good as an investment form, but it depends on the life situation.

I have now been investing for over 20 years. Look at the prices, then you know what I have already experienced. I would also never recommend speculating on credit. But investing from saved repayment rates into a moderate portfolio is something different.
I would also not sell my portfolio to take out less credit. I would give up 4-7% return p.a. to save 1.5% interest payment. But above a certain financing quota, you naturally have to pay significantly more interest, so you have to watch carefully where a good limit is. But this is quite easy to calculate.

I clearly share Hausbauer1’s opinion. Of course, this is not everyone’s thing but definitely an alternative. In a country where only about 10% invest in stocks, such a “different” way of thinking is quickly frowned upon, as we have already seen.

Just a brief example, everyone can think what they want about it.
House 400,000
Equity account 70,000
Stocks 50,000

There are many different variants here. Some might sell the stocks and then use the full 120,000 equity, whereas others, for example, only use 50,000 equity, keep 20,000 and also keep the stocks. With a good portfolio of dividend stocks, this also makes more than sense, because here you easily get higher dividends than the current loan interest rate. The loan thus pays for itself to some extent.

Of course, there will now be objections that stocks and dividends are uncertain. Maybe, but the money in the account is also uncertain. With a sensible selection, I even claim the opposite. There are companies that have paid and increased (!) their dividends for more than 50 years without exception! Moreover, with stocks you are a shareholder of a globally operating company. If, for example, the Euro is someday history, everyone with money in the bank will be the loser...

Thank you. That’s how it is. Besides, there are also good bond ETFs that pay between 5 and 8% p.a. You can build something good with that. Of course, you can also include other asset classes.