Financing comparison - Now it's getting serious

As a financial advisor? So via a system/program?

As a banker whose bank is also in the system. As a banker who manages about 140 banks.

As a banker whose bank is also in the system. As a banker who manages about 140 banks.

Ok. And doesn’t it surprise you that the MBS values the property fully with BWR and does not proceed according to the standard procedure?

I also inquired at Volksbank Ortenau; the employee will get back to me. I’m curious.

Have you already fully checked the MBS or are they simply relying on your numbers for an initial offer?

And don't be surprised that the MBS values the property fully with BWR and does not proceed according to the standard procedure?

And am I surprised. Maybe the rude awakening will come in the end. Because the valuation is objectively wrong. Of course, you can always discuss values – it’s like with legal opinions –. But basics should definitely be adhered to. At the latest, when the internal or external audit looks at the valuation, there will be a reprimand for the bank. And if that happens in a large number of cases, the Federal Financial Supervisory Authority will quickly come by as well. When I see how meticulously things are checked with us...

Have you already fully checked the MBS or are they just relying on your numbers for a first offer?

The offer has already been created by them. The employee knows the numbers. They don't even require the first rank in the land register.

I'll see what Volksbank says and get back to you when something is decided.

The offer has already been made by them. The employee knows the numbers. They don’t even require the first rank in the land register.

I’ll see what Volksbank says and get back to you when something is decided.

How about the land, the development plan, and your house planning? Can you mark the land with a cul-de-sac, meaning do a rear development? If yes, you’d have a good argument for "more equity in the land". ;)