Benutzer200
2022-03-17 10:14:00
- #1
But that is also correct. I can only take into account what is done. From our past experience, I know that the special repayment option was/is very important to customers. But still, only every 40th or 50th person uses it. And the house sale after 20 years cannot be considered either. Maybe it will happen, maybe not. Maybe a decent price will be achieved, or maybe the rundown property won’t be worth much anymore. All the verification effort (and the loan-to-value ratio, which basically doesn't exist anywhere else in the world!!!) has at least led to there being no fundamental bubble in Germany or the real estate market collapsing. How things can turn out differently has been seen in other countries in recent years...the banks have received so many more tasks, they simply have to check and consider more... (but the fact that 1) you can make special repayments is not taken into account, and 2) that you might sell the house after 20 years at the end of the fixed interest period is also not considered)