Bank margin on credit

or where exactly is the pain threshold

The pain threshold is where the bank no longer comes toward you and would rather do without the loan than lower the terms any further. Give it a try, but it already looks bad if you miscalculate and the thought "there's still something possible" ends in a final "no" for you. ;)

Live and let live. Stinginess is cool can be found at the well-known markets. Many who wanted to catch the train at the very last second saw nothing but the red taillights.

Fingers crossed.

Orient yourself on the well-known online loan portals. There you get a daily updated rate; you should try to reach that if your conditions are reasonably suitable. With some skill, goodwill, and luck, you might still be able to negotiate down about a tenth of the stated best rate; but usually, that's about as much as you can get. Even if here and there someone might have written about half a unit, that will rather be the absolute exception or "something else."

Good day,

What exactly is the margin, the share that the branch/ the banker gets??

I'll ask very directly now and maybe also irreverently: "what does it even matter to you?"

You receive an offer from a bank and have 3 options:

[*]You accept the offer
[*]You try to negotiate
[*]You thank them for the time you cost the advisor and say goodbye

A bank must also operate economically in order to remain available to its clientele in the future. Whether the profit – margin is something different again – then lies at 1, 2 or 3% is within the bank's discretionary scope and its ideas on feasibility.

Note: a customer is "only" a king if he behaves like one or also: live and let live ;)

Rhenish greetings

A bank has to operate economically? Sorry, but those are the biggest criminals ever! Sure, they give you money, but only because they know they will get three times the amount back... that is at least my opinion

that is at least my opinion

Yes, and the intelligence literally bites you.

Then just pay off your house in cash from your petty cash and everything is fine.

Officials always do everything right, are not corruptible, do not award contracts for their own benefit, and in the industry, everything always runs 100% correctly.

Then we all love each other and dance our names in a circle.

Sorry, but this pub talk pisses me off.