Cancel promotion of owner-occupied housing and max interest rate

Amazing :eek: the municipality is playing the interest rate god :p hopefully they haven't entered into complex swaps that the citizens will have to pay for :rolleyes:

No one is playing interest rate god. Firstly, the table above applies and for more in-depth reading, I recommend the appropriate cited paragraphs.

The authority only approves and is the point of contact. Whether good or bad is another matter. Most probably do the job for quite a long time, although none of them are bankers. At least those there know the rules of the game. And the (political) rules come from the state of NRW. And it is completely irrelevant what the municipality does with its own funds, as that is irrelevant.

Please always keep one thing in mind... the people there usually hold the stronger leverage. And you want tax-privileged and subsidized credit funds on unbeatable subordinated terms. No one is forcing you to go through this "ordeal."

I can only tell you that it can be worthwhile if you have the right patience and work together.

From your threads, I keep reading that you want everything as cheaply as possible but give nothing in return. Your attitude towards the caseworker is, even if justified, quite off. Maybe that person has just beaten cancer and is not yet fully back on track. Even if it is unpleasant, understanding or at least professional distance should be the minimum.

If you don’t know, ask the municipality. They should have financial experts o_O

That is absolutely not true. We had a clerk who had just returned from a long sick leave. Fat, unkempt and incompetent.

Although I agree with and you shouldn’t tar everyone with the same brush.

At our state loan (in RLP) the municipal employee was blind as a mole (the zoom on the monitor was set so that only one word could be read at a time by scrolling and he still almost crawled into the monitor), but he knew what he was doing. Everything was well thought out and structured. I have long since stopped judging the person behind appearances. It’s more the statements/words and above all the actions (or inactions) that allow a corresponding conclusion.

From your threads I repeatedly read that you want to have everything as cheap as possible but give nothing. Your attitude towards the clerk is, even if it may be justified, pretty off. Maybe that person just beat cancer and is not quite back on track yet. Even if it’s unpleasant, understanding or at least professional distance should be the minimum.

I assume that with this remark you no longer mean the quoted at the beginning of the post :).

No no, that was not related to HilfeHilfe.