Financing outdoor facilities, carport, equipment

2022-02-07 07:23:43

Just ask your house bank if they can finance the 50k variably for you, without registering a mortgage. For my first house, I financed 45k through a TA loan and the bank did not want a mortgage for that amount.

2022-02-08 14:56:53

That is generally wrong.

The mortgage financing has a slightly lower nominal interest rate (although hefty small loan surcharges are charged for €50k), but you have to order a land charge, which costs almost €600. Then the mortgage financing tends to run significantly longer than a consumer loan. So you also pay interest for many years.

Question: How quickly can you repay the €50k? You can calculate with that. The consumer loan can also be significantly below 2% - then over a few years it is a very small interest expense and you save €50k land charge costs.

Consumer loans of 20/30,000.-- are only offered by a few banks, €50k almost no one anymore and not at 2% either.
A land charge secured loan is always cheaper than a consumer loan.

2022-02-08 15:02:54

Building societies still offer cheap and small renovation loans without land charge registration, partially you have to conclude a building savings contract, but the capital-forming payments have to go somewhere anyway. ;=). Otherwise, also borrow 100k for construction and invest what's left depending on risk appetite.

2022-02-08 15:42:07

Consumer loans of 20/30000.-- are only offered by a few banks, 50k€ almost no one anymore and then not at 2%. A loan secured by a land charge is always cheaper than a consumer loan.

Loan interest rates realistically from 1.50% for 50k€ with an 84-month term. Who? Targobank, Degussa, Hypovereinsbank, Norisbank, Anker Bank, Sberbank, Postbank, Deutsche Bank, etc. With good debt service ability, for example, at Targobank a payslip plus bank statement is sufficient.

2022-02-12 18:33:52

Loan interest realistically from €50K at 84 months term starting at 1.50%. Who? Targobank, Degussa, HypoVereinsbank, Norisbank, Anker Bank, Sberbank, Postbank, Deutsche Bank etc.

Here the little word "starting at" 1.50% should not be underestimated. At which of these banks would the interest rate of 1.50% actually work?

Comparison portals like smava and Check24, which I have consulted, start consumer loan interest rates at 2.34%.

2022-02-12 18:35:17

Building societies still offer cheap and small renovation loans, sometimes without land charge registration, but you have to conclude a building savings contract,

Which building society would specifically offer a loan without land charge registration and without a building savings contract, and approximately what would the interest rate be?

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Financing outdoor facilities, carport, equipment

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