Banks for 110% financing

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.

But exactly that we cannot do here. We all do not know the current conditions you would get. I can recommend the DB to you (because we are also there), Noelmaxim would probably have blown the Ing-Diba horn again. Others, on the other hand, swear by the Stadtsparkasse.

So everyone has recommended you to simply ask around and go to the brokers. Since you are now doing that, everything is fine.

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.

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?

We were at Hüttig & Rompf. No idea if they are with you too.

Thanks, I'll take a look...

Yes, there is

Are there any other such institutions?

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.