Amendment of loan agreement after signing?

No, I think it was meant that the loan might have already been recorded in the Schufa and then, of course, the question would arise what was done with the first construction financing.

Yep, that's what is meant.

So the new status is that the loan amount is simply reduced free of charge and then the loan-to-value ratio matches again. And the issue with the [rangbereiten Grundschuld] suddenly isn't a problem anymore either. So apparently it depends on who you get on the phone. It's also strange that I have a fixed contact person and caseworker for one contract and always have to go through the hotline for the other and get someone different every time. But whatever, it seems to be progressing now and I will be very relieved when the matter is finally settled... there wasn't this much stress with the first construction financing 7 years ago. I thank you for the responses and reassurance.

I don't think changing the purchase agreement now is that easy, since the seller would have to sign again?

Aren't you at the notary with the seller at the same time? Is that even possible?

So the new status is that the loan amount is simply reduced free of charge and then the lending value matches again. And suddenly the issue with the priority charge on the mortgage is no longer a problem. So apparently it depends on who you get on the phone. Strange also that for one contract I have a fixed contact person and caseworker and for the other I always have to go through the hotline and every time I get a different person. But whatever, it seems to be running now and I will be very relieved when the matter is finally settled... there wasn’t this much stress with the first mortgage 7 years ago. Thanks for your answers and reassurance

this is a loan factory. they just want it cheap.

if you want a contact person you go to Volksbank, but whether they are more flexible ^^

Aren't you with the seller at the notary at the same time? Is that even possible?

Yeah. With a representative without power of attorney, then the contract is initially voidable and is sent to us after the seller's signature. We then go to our notary, sign there, and the whole thing goes back to the first notary. It's called retroactive approval or something similar. The second notary charges almost 100 euros again for the certification of the signature, which is definitely cheaper than the trip.
It's all quite nice, but it's starting to get annoying that we've been waiting for the contract for a week now. At first, it was supposed to go very fast, and now time is passing. They only send the contract as an email to print out anyway. They keep the original. OK, I didn't know that was possible either.

Hi,
I hope everything is going well with you.
I possibly consider "Letzte Seite" and "versteckt" to be incorrectly presented. This month we financed with ING and the very first page of the contract folder contained a checklist with "Auszahlungsvoraussetzungen". One of the bullet points states "Kaufpreis ohne Inventar". It could have been noticed by reading it once.

Of course, it may be that your documents were prepared differently (due to intethyp intermediary), so this is only a guess.

Best regards,
MasterX