Building a house despite credit and Schufa

  • Erstellt am 2015-08-13 20:30:18

Estate2015

2015-08-24 14:24:02
  • #1
Hello Kai6901, the situation is of course not easy and my fundamental question is whether you are married or just living together? Your partner certainly also receives maintenance and with 2 incomes and the repayment of the BAföG and the other loan, it would be quite conceivable. I recently financed a teacher with similar conditions. I am happy to provide you with further information. Best regards Jürgen Vogt
 

HilfeHilfe

2015-08-24 14:28:00
  • #2
A Chamber of Commerce member on the hunt for customers
 

Steffen80

2015-09-05 09:08:42
  • #3
IHK...the last club! Why is it actually constitutional?
 

Bauexperte

2015-09-05 10:40:51
  • #4


Please take a look at your profile to the left of your nickname and complete the missing information!

Thank you + Rhineland greetings
 

Bauexperte

2015-09-05 23:40:57
  • #5
Thank you!

Rhenish greetings
 

Voki1

2015-09-06 08:50:00
  • #6


You don’t have any more "fundamental" questions? Is the answer to this sufficient for you to be able to assess feasibility?



If so, then the ability to pay of the maintenance obligor would also have to be examined here. If children were present, then the question arises whether you would also (fully) integrate child support into the income chain here. If no children were present, then there is an own duty to work, which in many cases excludes the maintenance obligation of the "earning" party. It is therefore often to be assumed that the maintenance obligor will seek and often find the way "out of maintenance."



You rather mean that you found a bank which carried out the financing and paid you a corresponding commission for the brokerage transaction. I have really seen very, very many financings of this kind fail. This applies especially to "advisors" of your kind. No closing, no income.



I gladly believe that. Replace "information" with "success-based remunerated brokerage consulting" and we're already a bit closer. You are here fishing for customers and are currently looking for topics on which the financing basically will not work. I would bet quite a lot that some forum visitors have already received private messages with explicit content.

Unfortunately, there are still far too many gullible people who, after a rejection by the house bank (which can well assess the applicants’ circumstances) and other banks, are only too happy to listen to the soothing and hopeful words of the "financial advisors" and feel confirmed in their view that the bank is obviously completely wrong in its assessment. Wake up: banks want to make money. They live on customers taking out loans AND repaying them. If they see repayment as doubtful, they will reject the loan. Conveniently, they often prevent the financial collapse of the applicants, even if the applicants (partly offended) may not want to see this fact.

You can equip yourselves at consumer advice centers with a whole range of materials on financing. Even a financing offer can be checked there for a really low price. You can usually also have the total financing and feasibility assessed there. One thing in advance: often even the consumer advice centers shake their heads at financings carried out by banks that actually should have been rejected - for the protection of the customers. If the bank already says no, then listen and question the reasons behind it. Try to critically examine these reasons yourself and – if possible – incorporate a little objectivity into your own assessment with an open mind.

You may listen to the soothing words of jovially smiling financial intermediaries, but in my opinion these are rarely objective.
 

Similar topics
08.07.2013Does the repayment fit the income? - Is financing feasible this way?14
02.09.2013Loan of EUR 500,000 - possible with monthly income?17
15.11.2013Is financing with this income realistic? Experiences?11
21.01.2015Which credit burden suits which income - experiences?22
28.03.2015Is income for full financing possible or not?26
03.11.2015House construction for €750,000 with an income57
15.05.2016Own home - Planning the property / Financing with income ok?22
20.06.2016Experiences with income from self-employed individuals in financing?12
29.08.2016Can we afford this? Income / Investment / Equity131
17.04.2017Is land and house construction possible with our income?43
02.02.2018Financing strategy - increase income by payment of 3?18
22.04.2019Real estate loan with high collateral but low ongoing income35
02.05.2019Is buying a house at all possible with our income?49
16.10.2019Is building a house possible with our income?88
10.01.2020How much income do we need for our home loan?38
16.03.2020Small income - house construction, rental, and co10
04.06.2020Maximum construction financing based on income63
23.12.2020Construction financing, assessment possible with income?11
06.05.2024Financial planning for new construction with good income and little equity81

Oben