hampshire
2019-12-07 10:40:08
- #1
With the guarantee, the roofer commits to contributing €2000 towards a repair within 5 years in case of damage. The guarantee has no disadvantages for you, as it is a unilateral declaration of commitment. Therefore, nothing about it appears in the Schufa – certainly nothing negative. The lending bank will have no objections to the guarantee itself. However, they do factor in the value of your house as collateral. This represents an increased risk if the storm clamps are not professionally installed. Whether the bank assesses that risk, I cannot tell you. Why I would not accept this deal: The costs in a damage scenario would be too unclear for me. The risk that there will be trouble with the insurance because I agreed to a non-professional execution would be too great for me – without having it legally clarified. There are 2 alternatives – additional costs unacceptable: 1. The roofer installs the storm clamps properly. 2. Another roofer installs the storm clamps properly, and the costs are deducted from the first roofer’s invoice. If your roofer “no longer feels like” working on the construction site and you no longer trust his work, invest a few euros to be able to supervise him during the execution of the work.What should I imagine under such a guarantee? How is something like that set up and does it have any disadvantages for me? Will something like that appear under MY name in the Schufa? Unfortunately, I absolutely can't imagine what that means! Above all, what does our lending bank think about it? Does the bank even notice it?