Financing single-family house in southern Lower Saxony - SPK on strike!

  • Erstellt am 2021-04-14 20:55:32

Jean-Marc

2021-04-22 13:08:57
  • #1


I can confirm this as a bank employee. Such blocks are always bad for the score, regardless of who initiates them. Whoever has themselves blocked in this system is assumed to have had problems in the past.
 

borxx

2021-04-23 11:24:40
  • #2
From painful experience... Volksbank is currently the only one that still individually reviews and decides on ordinary construction projects in the single-family house sector. With all the others, it’s basically just scoring without many decision-making possibilities.

In the end, we also came to a sensible financing through an intermediary.

I have not read every post in detail, but your stated equity would mean that you have only been setting money aside under these conditions for about 6 months. That could certainly lead to questions that should ideally be answered before they are asked.
 

MontyPython

2021-04-28 20:54:10
  • #3
A Volksbank from the area would now finance us. We have reduced the total volume to 440k to slightly lower the interest rate. The interest rate for 200k from the Volksbank is 1.31% eff.
However, the broker's statement was interesting that this was only possible because their valuation system rated the cubature (flat roof with staggered floor) very high???
By the way, I also learned that the KFW153 component (1.11% eff.) can be combined with the KFW124 component (1.01% eff.). What do you think of this 3-way combo?
 

DamDumDob

2021-04-29 20:24:13
  • #4
The KfW153 is probably always worthwhile due to the repayment subsidy, the KfW124 was not for us. At our savings bank, we got 1.05% for 15 years, the 1.01% with a maximum 10-year fixed interest period was comparatively too bad. Ultimately, only you can decide whether the lower interest rate is worth the probably shorter fixed interest period for you.
 

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