Financing plan for new construction on existing property

If Bank A only matures at 57% instead of 81%, then I can generate better conditions at Bank A since it runs off their exposure.

Well, one should assume that with 24 years of experience, you apply for "Geschäftsbesorgung Kredit" correctly and that this is then reflected accordingly in the contracts and the overall concept :);)

OK, seems like the market has turned. Although the AL is not a bank :p You can still do nice cross selling BU etc.

Whether bank or insurance, everyone wants and has to do cross selling.

No, the clients of the brokers are protected, nobody touches them :);)

But if the runoff is at 81%, the subordinated financier will also have problems.

So it's a vicious circle. The money invested in sales (whether internal or external) belongs in the margin. The risk costs, however, do not. Nor do liquidity spreads, for example, but that would probably be going too far here.

I don't want to know because I know. But you like to talk about expertise. And here are apparently the limits.

Sales is not responsible for pricing policies.

Tell me, why should I care about the bank's yield at KFW? Sorry, but for me these are no limits, for me this is useless, non-applicable knowledge. It has nothing to do with professional competence and margin here margin there, the interest rate remains the same and I only need to care about the amount of compensation I receive for this component of my work.

The consumer neither has a disadvantage nor an advantage regarding the bank's yield on the KfW loan, because the conditions at KfW are always the same. What interests me is the result I achieve with the consumer and the bank's yield on the KfW loan has no influence on that result.

It is different with the mortgage conditions of the main bank; I definitely want to know that, because the condition I offer the customer is based on it.

I don’t understand the thing with 81% and subordination. Firstly, nothing goes beyond 81%, and secondly, nothing is needed after 81% if you want to use the "single out". Because the last cent from KfW is max 80%.