Are banks granting loans more restrictively?

As soon as it fits even somewhat, the banks can't get rid of enough money.

I agree with . At least I imagine observing that the area of tension between equity/construction costs/consumption is drifting further apart, and that not everything is approved anymore.

Just today an article appeared in the FAZ (freely accessible): "The banks are becoming stricter." It actually contains exactly what I perceive in my environment.

Whereas the article actually reported more on the opposite. Never before has so much been financed so cheaply.

Whereas the article actually reported more about the opposite. Never before has so much been financed so cheaply.

But that is not necessarily a contradiction - rather the K-shape of the corona crisis. If you bring enough money, a lot of money is still available cheaply. The hot air for the bank in the valuation was brought by the customer with equity; the risk is lower. Welcome customer. On the other leg of the Ks it looks different: little equity, high financing sum, market valuation at the very top - fewer chances for the loan.

In any case, the situation is different than in previous years, so the next few months (in many respects) will certainly be very exciting.

But that is not necessarily a contradiction - rather the K-shape of the corona crisis. If you bring enough money, a lot of money is still cheaply available. The hot air in the bank’s valuation was brought by the customer with equity; the risk is lower. Welcome customer.
On the other leg of the Ks, it looks different: little equity, high financing amount, market valuation at the very top end - fewer chances of getting a loan.

In any case, the situation is different than in past years, so the next months (in many respects) will certainly be exciting.

It’s not really different than 3 years ago. House prices were already very high then and interest rates even higher. Still the same game.