Assessment of financing scope with 4620 euros net

What is the Wohnimmobilienkreditrichtlinie?
So all my real estate loans run well into retirement. If there is such a requirement, then only since last year.
I think it could be a condition for KfW loans, but I am not sure. And of course, it can be a requirement at specific banks.

Yes, the bank must check creditworthiness and ability to pay for financing extending into retirement accordingly, and if necessary, this must be additionally secured or a plan must be in place. As long as it is foreseeable that this can be managed with the normal pension, the bank will probably not point this out separately. I also do not know what assumptions can be made for the internal calculation.

Oh yes, with the last loan I had to write something about selling my condominium if I can no longer afford the installment for the follow-up financing. But I was told here that such a paper is worthless in case of emergency. Although I don’t really care. In 10-15 years I’ll probably sell the bigger property anyway. The city is slowly getting on our nerves. For the culinary variety and meeting friends, you can also drive two or three hours a few times a month. I just hope the whims of my employer to reintroduce a presence requirement will change again.

There are 3 numbers. 1. Value according to today's standards 2. Pension with 1% average increase 3. Pension with 2% average increase that is only the case with private pension insurances or life insurances. In the official information from the German pension insurance, there is the currently acquired pension, pensions if contributions continue to be paid at the same rate, and disability pension according to the current value of the pension points

What is the residential real estate loan directive? Well, my real estate loans all run well into retirement. If there is such a requirement, then only since last year. I believe it could be a condition for KfW loans, but I'm not sure. And of course, it can be a requirement at specific banks.

The residential real estate loan directive has existed since 2014 and has been revised several times

Well, apparently my estimated pension is high enough, or rather, I had to sign something like that for the mortgage.

The increases are also included in the GRV. Just a bit hidden in the text block that no one reads ;)

I saved myself the other nonsense about financing agents. I can invest the money myself much more cheaply directly