Which salary counts for banks

What counts is what is actually available monthly (in my case, the guaranteed Christmas bonus was also included - just ask). The net income is lower due to the non-cash benefit from the company car, but you also don’t have a flat rate for the car deducted from the available net. The retirement provision is considered as it is carried out. Therefore, I also reduced my direct insurance to have a bit more leeway in the beginning. Bonus payments depend a lot. If they have been paid "without ifs and buts" for a longer time (> 3 years), then it may constitute a company practice and CAN be included. The longer they have been paid without interruption and downward fluctuations, the better the prospects of success.

So your statement that it doesn't count is nonsense ;)

I wrote "as far as I know"
Means the same as "to my knowledge".
Means: it may have changed in the meantime or there may be exceptions.

May be nonsense to you, but both, usual practice/exceptions, should be mentioned in this, preferably with reasons!, and then it's not nonsense either :)

Does it make a difference that the banks determine
- Salary is sufficient
Or
- Salary is more than sufficient?

So if the bank calculates that you need an income of, for example, €4,000 for a loan of €400,000 but you actually have, for example, €6,000

but for example you even have €6000

Then, for example, a higher repayment rate or a special repayment is calculated. Or not. Then be glad that you can still afford a life besides building the house. Or what are you expecting?

Hello, you notice 185 assumptions and procedures.

The payout amount is decisive. Otherwise, it depends. Special payments like bonuses are usually not considered, whereas fixed 13 salaries even more so.

I think if there are no problems with you, then the question is irrelevant anyway, right :)

the Bänger

13. Salaries only if contractually agreed upon :)