Which cost groups according to DIN 276 are fundable?

Can one generally say which costs of the statement according to DIN 276 are financed by banks, or which cost groups definitely have to be paid from equity?

Thank you

Yes, you can. Bank: All equity: Nothing

generally correct, but weren't you an enemy of general answers

generally unpopular is financing the worthless ancillary costs, which do not make the property any more valuable. this includes the notary, real estate transfer tax, and also the broker. this item can already amount to 1-2 annual net salaries, yet the place does not get any better because of it.

since you're already asking like that, you probably don't have mega equity. usually, people who don't earn much also don't have equity. without equity, the interest rates are significantly higher, which increases the risk of a crash even more.

it gets tricky if you finance an older used place 100% and also want to finance the renovation. because then you can easily go well over 100% loan-to-value, and then it gets more expensive again.

otherwise, just say what you want to do and what you have.

Payday, however, the DIN276 does not recognize worthless "KAUFNEBENKOSTEN," but at best more or less valuable additional construction costs such as architect, supply and disposal lines, and of course the house including ancillary facilities and whatever else the DIN provides. The purchase incidental costs are not part of this DIN.

In this respect, the total costs mentioned in the DIN (all items). No bank in the world comes up with the idea of not accepting one item unless there are fundamentally other reasons why more equity capital must be available. But even then, the bank does not care whether KG200 or 700 must be paid in cash.

Therefore, the answer is not general, but rather must be considered as a whole.