Assessment financing 425k, equity 200k, net 5k - unmarried

What would you do?

I would definitely make use of my right of withdrawal.

Just imagine, they sell the property to someone who has now offered more, or don't sell at all, or something else. Then you suffer the loss.

The notary is aware of this? A good notary does everything to ensure that the appointment also takes place within the withdrawal period. You pay him for his services. But well, probably notaries don’t see it that way with the high demand :D

The notary is basically "to blame" because he insists on a state-certified translator.

I would definitely make use of my right of withdrawal. Just imagine they sell the property to someone who has now offered more, or don’t sell it at all, or something else. Then you suffer the loss.

But then we are left without financing if the bank can no longer remember the information it gave to our advisor.

Absolutely cancel.

How about another notary? Or does it make sense with the translator because one of the parties does not speak/understand German?

if the bank can no longer remember the info it gave to our advisor.

then this info should be sent in writing with CC to you.

I'll pick myself up again, if I may. As it turns out, the house is not as move-in ready as we thought. The ground floor is back to shell condition. Ergo, of course we haven't financed enough.

Now I don't really know what to do, because I've never dealt with additional financing before; everything was finished and more than sufficiently calculated.

What definitely still needs to be done:
- Electrical work 20k
- New garage roof covering 2k
- Reconnecting radiators 1k
- Floors 3k
- Balcony connections 1k
What would be more than nice to have due to the high oil consumption:
- Hybrid fireplace 15k
What will definitely come in the future
- Garage door (oversized, therefore industrial door) 8k
- Terrace 6k ?? (we're not even thinking about something like this yet)

Now the question: we can already raise the "fixed" 27k, we have about 3k loan from previously planned funds that we have to draw, and 12k equity. From savings, each of us could add another 5-10k, but then we'd be broke if something happened. And still, bigger investments would be ahead.

How does additional financing work? Would one of our two components be increased, or would this be a third component? Would anything change with the old conditions (because the house is obviously worth less, different loan-to-value ratio, etc.) or would we just get the additional financing at worse conditions? Is a consumer loan easier?