DSL Bank takes a long time processing, now also sending surveyors for 200k

And such an appraisal also costs the bank money

Nope, you pay the appraiser ;) . You just don’t get a bill.

actually the total no-brainer for the bank.

However, fortunately the days of beer coaster loans are long gone. EVERYONE says about their financing that it actually poses no risk to the bank. Nevertheless, banks take it upon themselves to check the loans – properties, collateral, creditworthiness. It’s simply because they have to. Whether they want to or not. If you knew the regulations banks have to comply with...

So with the DSL Bank, for follow-up financing, floor plans/cross-sections, site plan/cadastral map are a MUST-have document, i.e. it must be submitted with the application directly, otherwise the application will be put on hold until it is complete (and thus the processing will be delayed...)

No, you pay the appraiser ;) . You just don’t get an invoice. However, fortunately, the days of beer coaster loans are long gone. EVERYONE says about their financing that it actually poses no risk to the bank. Still, banks take it upon themselves to check the loans – properties, collateral, creditworthiness. It’s simply because they have to. Whether they want to or not. If you knew what regulations banks have to comply with...

Well, I pay fixed interest to the bank anyway. This amount does not change, whether with or without an appraiser. Ergo, more profit for the bank without an appraisal. That’s my amateur calculation. :) I understand the checking part, of course the bank wants to ensure getting the money back, or to have security in hand. The rate and loan-to-value ratio are both below 30%. Just the land alone is worth more than the loan amount, that can be calculated quickly. I am sure that I differ from EVERYONE here. As a layman, I would definitely save the cost of an appraiser. Hence my uncertainty... and reviewing all those documents also takes time and thus money. Well, as a layman, I would probably, as a bank manager, quite obviously go bankrupt with a pretty high certainty ;)

Well, I pay fixed interest to the bank anyway. This amount does not change, whether with or without an expert report. Therefore, more profit for the bank without an appraisal. That's my layman's calculation. :)

Lay opinion, exactly. Without an appraisal, for example, no eligibility for mortgage bonds, no real credit privileges, no favorable conditions. Without an appraisal, the bank has to offer you a significantly higher interest rate. Therefore, no appraisal? More interest to pay for you. Do you want that?

so at DSL Bank, for follow-up financing, floor plans/cross-section drawings, site plan/land register map are MUST documents)

I don't understand, all of that was already required for the initial loan and there shouldn't have been that many changes by now ...

do you mean that with the INITIAL financing at the other bank???