Annuity loan rejected, alternative?

We are contributing the property (value approx. €100,000) and €30,000 in cash as equity

uh, but in your offer I read something about an immediate deposit of 88k into the building savings contract???

uhm, but in your offer I do read something about an immediate payment of 88k into the building savings contract???

Paid from the first loan, so as a discount.
It is actually the first of these combo offers that can reasonably keep up with a loan that I have seen. But with the securities, that changes immediately.

Somehow that's strange. The broker wants to make money. Have you asked [ergo] yourself? With the equity contribution ...

Paid from the 1st loan, thus as a discount. It is actually the first of these combination offers that can reasonably keep up with a loan that I see. But with the securities, that changes immediately.

What do you mean by securities?

I don't want to name any names now, that would be advertising, but please take your data to one of the three big brokers and have them show you everything live on the screen on site. They are more motivated than a bad bank employee (surely not all of them) because they have to sell to get something out of the appointment. Tell him in detail ...your needs (preferably all important items separately) ...your equity and additional securities ...if you want to contribute your own work insist on it > then you will get 2-3 good hits and you can play around with them again: which loan becomes cheaper with a little more equity, which can be varied better in the fixed interest period, who accepts own work uncomplicated as equity, what happens when you vary the repayment. I would not take a combo product. Your rate will be better with the same term. The total costs probably too.

What do you mean by securities?

Is the property unencumbered? If yes, Ergo would gladly take you.