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

  • Erstellt am 2022-03-16 11:05:59

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...
 

Hyponex

2022-03-17 10:58:15
  • #2


that's true...

or also 10-30 years fixed interest rates... in the USA everything is financed variably, and sometimes it goes well, and when interest rates have risen, only half can pay it...

therefore no bubble in Germany, but currently somewhat overheated. You can see that banks calculate 10-20-30% less in the valuation of the properties than what people pay for them...
 

Benutzer19

2022-03-17 12:18:44
  • #3
The 'expert' was here today, only asked questions about the equipment of the house, which I had already submitted before, and took pictures inside/outside. It was only about verifying whether our information was correct. According to his statement, he was not supposed to determine a value of the house, which he couldn’t do anyway.... well... Earlier today, our loan agreement signed by the bank arrived in the mail. With an interest rate of under 0.9%, we probably got off quite well. Now just for our current bank to acknowledge that they messed up several times here... And then 12 more years, then we’re done....
 

cryptoki

2022-03-17 12:25:23
  • #4


*ROFL* :D Go complain to those who are currently on their way to the bank.

oh, by the way. Congratulations.
 

Benutzer200

2022-03-17 13:08:00
  • #5
On Tuesday I closed a 15-year fixed interest rate at 2.51% (for my client - 100% loan-to-value, special conditions, commercial real estate financing). Correctly refinanced, the bank is paying a lot. Refinancing rate (or margin or unit costs and risk costs) today at 0.98% (swap mid).
 
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