I do understand what you mean, however, I had to specify some fixed values such as house value, equity, etc. I thought these would then also represent actual reference values....
How is the house value calculated by the bank?? Let's assume I buy a house for 250,000€ from a provider like Weberhaus. From which amount would they calculate??
You can't say that in general - it depends on the situation, then how the bank classifies such a prefabricated house, which deductions it applies (keyword: appraisal).
And from the value, the loan-to-value limit is then deducted... in the end, the bank looks at which non-secured portions it has and then makes you a personal interest rate offer.
Hello everyone, I have now been to the bank with the conditions mentioned here. I received the following offer: Term: 25 years Interest rate: 2.50% Repayment: 2.88% Financing volume with 1000€/ month ==> 226,415€ with 850€/ month ==> 192,452€ What is your opinion on this?? Is this a good offer??