Error in financing?

Where is the smiley that is laughing rolling on the ground? EKED....

Leave it for now.

Where is the smiley that is rolling on the floor laughing? EKED....

Just leave it for now.

Is there an official one? A loan to get a loan...

The lady had no concerns... I wouldn't either, if I assume a commission in the range of 4-5TEUR.

the official one? A loan to pay off a loan...

Of course. It is also known as subordinated financing.

DSL also likes to do this in combination with Hanseatic Bank.

In his case (20k loan, with 160 EUR and 20 years term) that results in an effective interest rate of 7.4%.

"The lady had no concerns..." Neither would I, if I assume a commission in the range of 4-5K EUR.

I wrote that further above. For the building savings contract, 1.3% commission. The 4K is definitely exceeded.

The EKED also probably adds a few more euros on top.

And they also earn a bit of commission on the house construction kit.

I don't really have as much knowledge about financing as the experts here, but I wonder: Why is there such a desperate attempt to set up a financing? Have your data so far been checked by a bank etc. with all your current monthly costs, or have you just been somewhere once to get a model created? For me, that would be way too many components just for one thing!

Therefore, this is also great input and I have already learned a lot about what to pay attention to

Here I wonder what you have learned? When you read through the multi-page post, it seems like an even bigger question mark to me.