Estimate credit limit for property purchase

So we concluded a financing with Volksbank 3 weeks ago with a loan-to-value ratio of 92% and an amount of €445,000 at 2.39% over 30 years. Therefore, 2% might be optimistic, but not totally unrealistic.

2.39% at 92% and then for 30 years, never ever!

Goldi, with that you are saying that Sascha is lying. Why do you do that? Maybe he has a good rating? Maybe his Volksbank has known him for a long time?

Who cares about a rating in a private construction financing? If it’s not completely crazy, the rating doesn’t matter at all below 80%, and above that only marginally.

2.39% at 92% and then over 30 years, never ever!

Fortunately, I am not of a sensitive disposition. But feel free to take a look at the attached picture.

Then you do not have a 92% loan-to-value ratio!