Construction financing for house building in Brandenburg with difficulties

You won't get a direct line to ING. The check is done through a program. And it either says yes or no. Allianz also likes to finance houses, it was the second best offer with a forward loan for the land.

Otherwise, speak to the local savings bank. That can also work wonders. You can forget about Volksbank. I recently had a conversation. They don't grant construction loans because they are too expensive. They act as financial advisors

Maybe for you. It's absolutely different. I got the best conditions from the local savings bank. My buddy was rejected by them. Volksbank was useless in my case. But for the same buddy, they financed at good conditions.

Maybe for you. It is absolutely different. I got the best conditions from the local Sparkasse. My buddy was rejected by them. The Volksbank was useless in my case. For the same buddy, they financed with good conditions.

I spoke with an advisor from the Berliner Volksbank. He would like to go through with the financing but came up with about 1.8% interest. And as I said, the Berliner Volksbank does not finance itself but is also just a financial advisor and passes on clients. It may look different with the Volksbank in another federal state.

And if you want to speak personally with someone at ING about construction financing, you will be referred to Interhyp.

One is not limited to the local area at Volksbank either. There are also Volksbanken that specialize in granting real estate loans (operate regionally). For example, Volksbank in der Ortenau.

I would not write off "the financial advisor" outright. Our financial advisor also wanted to refer to ING, which was rejected by the bank. The advantage of the long-standing partnership with ING (also "our house bank") then was to receive a detailed explanation for the rejection. In the end, it was the Commerzbank with a somewhat worse offer but a binding commitment within five days compared to six weeks at ING.

I just additionally noticed that you are including the kitchen with 20k in the financing amount since you currently cannot cover it from equity, right?!

As a rule, banks do not finance kitchens because they are considered furniture.

Good luck!

I would not generally write off "the financial advisor." Our financial advisor also wanted to refer to ING, which was rejected by the bank. The advantage of the long-standing partnership with ING (also "our house bank") was then to receive a detailed explanation for the rejection. In the end, it was Commerzbank with a slightly worse offer but with a binding commitment within five days versus six weeks at ING.

We will wait and see. If necessary, the planning contract + building application + surveyor + soil report will be paid from equity, and we will wait another 1-2 years to build. It would not be desirable, but not a disaster.