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If the seller proposes a small credit in exchange for removing the contingency, compare that amount with the full unresolved downside. A token concession can be expensive if it buys away meaningful protection.

Work backwards from your actual ceiling. A 12% reduction puts the opening around €437,000, but that number only makes sense if you have room for a realistic counter without exceeding what the property is worth to you. Send the offer through the normal channel with financing evidence, preferred...