Which financing option should I choose?

My suggestion: Wait first, as I suspect that the banks will consider the [Baukindergeld] as equity capital from the law's enactment (that is July). This way you will get better interest rates. Since effectively more equity capital is available

My suggestion: Wait first, as I suspect that from the legal decision (i.e. July) banks will consider the Baukindergeld as equity. This will get you better interest rates. Because effectively more equity will be available

nonsense how is that supposed to work?

It wasn’t like that before either.

If at all, then as temporary income.

Banks cannot consider it as equity since it can be revoked at any time (e.g. contesting by authorities) and will probably cease to exist upon disposal of the property

It was the same with the old home ownership allowance (so with my parents). Many entered the financing with zero equity because the banks thought that there was still a home ownership allowance of 30-40k DM.

Besides, it never hurts to ask. If I were to bet, I would lean towards my suggestion that this is how banks handle it.

I, 31, employee with €3174 net, STK4

Is that with or without child allowance and with or without child benefit? Or in other words: Where in Saxony-Anhalt can you earn so well?

Well, the question I ask myself is, is there then an annual review of the income? Then I would only receive it for the first year. After that, we should be well above the limit.

Is that with or without child allowance and with or without child benefit? Or in other words: Where can you earn well in Saxony-Anhalt?

The child benefit is not included there yet. That comes on top. Unfortunately, I haven't found an employer yet who pays me that in the East. I commute daily to the Greater Wolfsburg area.