Are banks granting loans more restrictively?

The problem is always the same. The bank values the house at the "normal" value (usually 20% lower) and mostly only up to 70% max. loan-to-value. That means if a house is sold for 800,000, the bank values it with a max. credit limit of 450,000. Now the buyers have to bring 350k equity plus fees. Classic final boss situation.

Our house bank did not give us a loan in December 2020, even though we bring equity and do not earn poorly. According to the bank, the house was too expensive for the region.

Our house bank did not give us a loan in December 2020, although we brought equity and earn decently. The house was too expensive for the region according to the bank.

May I ask which region that is?
Very interesting thread!

Around us, people seem to mostly have (to me) daring 500k+ financings, and our volume is not exactly small compared to the income either.
But most of these financings were concluded just before Corona.

And a financing was also rejected that we then got at the next bank .... With BORIS assessment, input into some system where only living area and year of construction were relevant led Sparda to the conclusion that the house was worth x. Isolated location with a view over the city, 3 fireplaces, really impressively designed garden, brick garage, pool ... the bank didn’t care about any of that .... incomprehensible to me...

May I ask which region this is? Very interesting thread!

In Bavaria, the state border to Salzburg. Other banks made an offer without hesitation, only our house bank (VR) did not. But we really couldn't quite understand why. We definitely earn more than the average, for example.

We (bank) had the most successful home financing year ever in 2020, that much is already certain.

We don't happen to work at the same bank :D