Banks for 110% financing

  • Erstellt am 2017-02-19 11:36:10

Bieber0815

2017-02-21 15:29:52
  • #1
I would not go to a bank, but to an independent broker. Then I would want to develop a structure with a large bank loan with a long fixed interest period, which goes up to 94.99% loan-to-value. I would try to finance the rest in second rank (state bank, development bank, whatever there is in Bavaria --> hopefully the broker knows something about that).

Maybe there is also a private loan (parents?) for the part over 95% loan-to-value.

Income, for the repayment, is available ... then just quickly repay the subordinated loan, afterwards intensify the repayment of the large component.
 

Caspar2020

2017-02-21 15:36:18
  • #2


I know from the DB that they also do 100% and even more if the creditworthiness is right.

Savings banks are rather not known for going over 100%. Most have a 15% equity rule, or at least the incidental purchase costs must come from equity.

But in such cases you can only repeat to go to brokers; they can access the market much more easily and also choose an attractive offer. The risk appetite of banks also fluctuates. Currently, better and more comprehensive is only possible through a broker.

It is also worth checking several; everyone has their own preferences regarding what can be presented.
 

ehaefner

2017-02-21 15:54:11
  • #3
We have an appointment next week with the local Dr. Klein advisor, Interhyp would also be an option afterwards! Are there any other such institutions?
 

Evolith

2017-02-21 16:01:21
  • #4
We were at Hüttig & Rompf. No idea if they are with you too.
 

ehaefner

2017-02-21 16:02:14
  • #5
Thanks, I'll take a look...

Yes, there is
 

Bieber0815

2017-02-21 16:02:36
  • #6
There are also "independent" ones, which you should be able to find in the Yellow Pages or via Google ("Finanzvermittler "). Sometimes, however, these are also very closely tied to a bank.
 

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