Bad feeling about the financing

Good day,

I am in the process of buying a house. The agent (postbank) is pushing to also arrange the financing through Postbank; otherwise, one would not get the property. The place costs 204,000. The net loan amount would be 183,000. The rest of nearly 50,000 € is equity. I was offered financing through the DSL Bank with a term of 27 years and an interest rate of 2.62% - the first offer was still 2.35%. On an information sheet in the loan contract, it states that the broker earns 4,200 € from the financing. That really makes you feel like you're being taken for a ride, right? What would you do to buy the property but not get ripped off by the bank? I am a bit at a loss because I am inexperienced despite my 40 years.

I would be very grateful for tips or help.

Difficult. If he has several who want to buy, first of all the seller probably doesn't care who gets it and he will of course choose the one who finances with him. Do it or take a chance and tell him, yes to buying, but not the loan from him. Postbank however smells untrustworthy. Karsten

On an information sheet with the loan agreement it says that the intermediary earns 4200 € from the financing.
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I would be very grateful for tips or help.

Intermediaries always get money for the mediation, there is nothing wrong with that. Since 2016, they even have to disclose which commission they receive from the bank.

EDIT: however, how many percent commission the intermediary charges varies. I believe up to 2.5% have to be accepted, some intermediaries charge less.

A leaflet with the loan agreement states that the broker earns €4200 from the financing. You rightfully feel ripped off, don't you.

Why do you feel ripped off? Every broker earns a commission from a mediation – after all, that’s their job. You could also complain to the government that you only buy the property if less property transfer tax has to be paid ;-) Or that the notary is so expensive. Or the land registry office. Everyone just wants your best – your money ;-) In the end, it's a digital decision for you. If you want the house, then buy it and finance it with the DSL. If it’s not your dream, then leave it be. Otherwise, according to your words, it doesn’t seem to work.

When having a bad feeling about a house financing means something clear to me: don't do it :-D

Apart from the high interest rates, I don't see why you feel like you've been taken advantage of?