Finance property - construction in 3 years

2nd loan but then at the same bank as the 1st loan, right? Otherwise it gets complicated...

not only that, hardly any banks go into subordinated loans and if they do, then with an interest surcharge so that it hardly pays off. Ing-Diba refinances fairly, with other banks / savings banks I wouldn’t be so sure whether one or the other margin is added

With ING-DiBa, this was possible without any problems and fair!

With Ing-Diba it was possible without problems and fair!

I’m telling you, Ing-Diba is fair and transparent with the conditions. With a Waldsparkasse I wouldn’t be so sure.

Thank you for your responses! We have now received a 1.8% variable loan from our [Hausbank].

Thanks for your answers! We have now received a 1.8% variable loan from our house bank

You could have also gotten 1.2% (3M Euribor), but that is more common with smaller regional banks and not with the big players. A variable loan definitely strengthens your negotiating position when financing the construction project because you can freely choose your bank (cancel the variable loan and arrange a complete refinancing). Our financial broker advised us against the two-stage financing with Ing-Diba, too much risk and too much dependence on the bank.