Financing a New House: Is Mortgage Swap Sensible or Not?

Half of the list the bank does not have to do in this case at all. The explanation reads like a defense of a bank trying to justify enormous costs with arbitrary statements. But let's leave it at that, it leads to nothing. However, I know that I will certainly not conclude anything new with the bank.

Half of the list doesn’t actually have to be done by the bank in this case.

The list comes from someone who has such a job and knows what needs to be done ;) .

That was already clear to me ;) But what kind of appointment does the banker have with the notary in such a case? The joke is that the customer does it themselves and the fees for the notary even come on top for land register changes etc. If that were included in the 500€, I would understand it. I work in sales for an industrial company and what do you think my customer does when I send them an invoice for the effort I have due to their change requests in aftersales etc.? They definitely won’t buy from me next time.

But that is also the mistake many banks make. Driving away longtime customers with high fees for everything imaginable and then wondering why you don’t see them anymore, having to close branches, and blaming the nasty, nasty customer for switching to the competition. But that’s a fundamental discussion and leads to nothing :)

The mortgage on the old house will be cancelled, so a cancellation approval is required, which, like many things in land registry matters, must be notarized.