Construction financing - Different statements by intermediaries

Hello,

I still exist... only my username "Holzhaus" was rejected because advertising was suspected here... okay... but I really don't sell wooden houses ;)

The financing has worked out and I am signing the land purchase contract with the notary in Berlin this afternoon :)
I got the financing through the builder's construction financier at ING (Ing-Diba), more or less on the terms that Interhyp had also proposed... well.
Actually, some parameters still had to be "tweaked" a bit to make it fit... salary + equity was enough, only a consumer loan had to be "cleared out of the way," and since the loan term would stretch into my pension time, there was another problem with the (then existing) household budget. They based it on the current status (salary level) and didn't believe that I would be "promoted" a bit by then. But everything is okay, you shouldn't and aren't allowed to count on money you don't have yet.
I was then "saved" by a private pension insurance taken out 20 years ago (a typical financial product from the Sparkasse, which new customers are gladly pushed on)... the currently guaranteed (additional) pension through this contract then made the light turn green :)

In the last few weeks, I watched almost every video on the topic of construction financing on YT and as you already said, most financiers rely on the same platform and yes... the builder wanted his own construction financier, probably because there is one commission or another behind it... ;)
But everything is okay... I am dispassionate about it as long as it works out for me :)

PS: Watch out, there is a pitfall if you activate several Verm.

Can you explain that a bit? What exactly happens there?

Can you elaborate on that a bit? What exactly happens there?

Well, if you inquire as a broker, for example at ING-DiBa or any other bank, the customer is reserved for you and blocked for others. In plain language: Many hire 2-3 brokers believing they are clever and thus get the best offers from all sides. But then you block your inquiry for others and, as in the example from Benutzername77, only get "red" or rejections.

- > So, accordingly, hire one trusted broker and no one else. It doesn’t make sense otherwise and in the worst case, you get rejected everywhere.

I even know some broker idiots who intentionally inquire everywhere to block the process for others. Annoying,... but that’s how the possibilities are.