Construction financing - Influence of private retirement provision on interest rate

2019-12-17 12:07:51

550000.-- without equity and [Frau schwanger] is financial suicide

2019-12-17 12:17:12

550000.-- without equity and the woman being pregnant is financial suicide

That probably depends heavily on what the OP considers a "good" income.

2019-12-17 12:26:02

Let's assume the OP earns a net 4k and the woman will soon bring home 1800 parental allowance thanks to a good income, then it goes very smoothly. Besides, she is pregnant! That means there is still some time to build up a cushion to bridge the parental leave. We managed that too.

2019-12-17 12:56:30

Moreover, she is pregnant! That means there is still some time to create a cushion to bridge the parental leave.

... which has worked very well so far

2019-12-17 13:08:55

Phew, now it’s getting a bit personal. Please refrain from speculating about my income situation and saving habits without me providing sufficient background information.

2019-12-17 13:22:49

A private retirement provision would have a significant impact on the approved loan interest rate for a construction loan at a bank (0.1 - 0.2 percentage points). With private retirement provision, I would give the bank more security. Since the financial advisor can also negotiate the terms with the banks when purchasing a property for me, that would accordingly lower my interest rate.

Personally, I think that's absolute nonsense, because you can just as well cancel the private retirement provision, then the bank has no extra security at all.

Furthermore, I dare to claim that he simply wants to lure you with these statements to get double commissions from you: retirement provision and house.

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Construction financing - Influence of private retirement provision on interest rate

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