Which salary counts for banks

Primarily, the income tax assessment notice for the entire year counted for us. Why in which month there was more or less... didn't matter to them. So yes: the annual net income logically also includes all additional payments aka Christmas bonus, bonuses, or similar.

But as already indicated: salaries and employment relationships are no longer criterion number one (for example, we are both on fixed-term contracts...) but I suspect: a high, but not too high equity ratio is often more important. This way, the bank is sure that the house is worth more in any case than what they have financed themselves and in case of default on the installments (even if it happens right at the beginning of the repayment period) they can sell the property without loss.

We also received an interest bonus depending on creditworthiness; it was basically the next loan step. However, it was our long-standing house bank. Direct banks didn’t want to hear anything about it; it doesn’t fit the standard case.

However, our income is also quite a bit higher than the amounts you mentioned, despite my wife working part-time.

The figures I mentioned were chosen arbitrarily to give an example of what I am aiming at with my question.

But basically, I have received an answer to my question.
Thank you very much.

Three income tax assessments were requested from us. The bank then considered my bonus as a fixed salary component.

I promised to report what we are told: According to the information from the Vermittler, the bonus is included because it is a recurring bonus that comes every month