Construction financing - is it possible to reduce the interest rate?

Then calculate, Alex.

My job tells me: No.

Because then either the forward is too cheap or the VFE is too low.

or a board member wants to see a nice P&L :-) then quickly release the customers and immediately recognize the VVE. Nice, you have a P&L for the pension

There are things that just don’t exist

Then do the math, Alex.

My job tells me: No.

Because then either the forward would be too cheap or the VFE too low.

Impossible without numbers. And moreover pointless, you can simply request this.

One can probably agree with your last sentence and that is exactly what it is about.

I recently applied for a loan for a car at Barclay because conditions from 0.99% were promised to me. The actual condition was significantly higher and led me to simply pay for the car in cash.. :D I would have thought that I have very good creditworthiness (high income, Schufa score of 99.06).. But be that as it may. This way I don’t have a loan that I would have to pay off. :p

I had thought that I have a very good credit rating (high income, Schufa score of 99.06)

Even if Schufa paints the picture that a Schufa score is, let me assure you that unfortunately this is not such a good Schufa score. In school grades, I would say... sufficient, maybe satisfactory.

Schufa itself rates the base score >97.5% with a very low probability of default. That is at least their best rating.

, I said they say that, but in truth it is not good.

And this statement stands until you can prove me otherwise (and by that I don’t mean quoting Schufa).

Because reading and understanding are really two different things here.