Construction financing through intermediaries or local banks

did the bank then write the value of the property into the contract or ESIS? ... Your house bank is the HVB *laugh*

is in ESIS, exactly. It's exactly 80,x%. HVB was really great 3.5 years ago. Top conditions, great support. ;)

so if I send a customer an offer, and then I get the answer: another broker made me a better offer from the "HVB" (and then they send me the offer) then I say to him: yes, on paper it looks good... in reality it doesn't work... for me they have become so unreliable over the years.... So here are some infos: the HVB makes totally "unrealistic" valuations (if a savings bank or cooperative banks determine a value over 100,000€ higher for a property than the HVB that already says something) then they also really insist (we determined X, at most X minus 10% will be financed...) or sometimes even mention the conditions (the condition was only valid up to 80%, but we are above that here, up to 90% we still have to meet the requirements and raise the conditions...) that's why I avoid the HVB, so that neither I nor the customer get a problem with the valuation/condition...

3.5 years ago, the HVB was really good. The bank that blocked the already signed contract was a completely different one. Yellowish color and so on ;) The intermediary contacted afterwards would have liked to refer me to the same bank, but the bank blocked it. So exactly the original question...

HVB was really well positioned 3.5 years ago. Quick response, fast approval, fair contract, and the best conditions on the market. That seems to have changed as well, I've heard similar...

but the HVB also financed the new building with a 0.10% interest adjustment?

yes, the yellow ones... you could sing a song about them too ;)

but did the HVB also finance the new building with a 0.10% interest adjustment?

no. the HVB now goes through PlanetHome and then only further... u know.

and PlantenHome also belongs to the Yellow... :)