Also on page 3 it is asked again: what does the contract or the terms and conditions say?
The broker contract states that we get 12 months, but without a reference point. At Sparda, the date is simply entered in the contract. It is exactly 12 months after we signed with Dr. Klein. There is nothing more about this in the terms and conditions. If we had received the contract shortly after the application, everything would have been in order. I hope it is rather unusual for a bank to take 4 months. How else is something like this supposed to work, for example, with a house purchase?