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

Sounds very strange. For the region, the loan-to-value ratio should never deviate that much from the construction price. And if, then rather upwards o_O

The advisor was also completely surprised and initially assumed an error at the savings bank. After triple checking, the savings bank stated that it was a very nice property and they would also like to approve it, but the system says no.

Goodbye Sparkasse. If they just don’t want to. I have never really been a fan of Sparkasse anyway. Maybe unfounded, but it has always been the conservative grandma bank for me (although my grandma has always worked at the V-R Bank).

Region Salzgitter, actually not a bad region. Braunschweig 30 minutes away, Wolfenbüttel 25 minutes. Lots of industry. VW battery plant under construction, steel mill, MAN, etc.

Then I can't understand it. Try another broker or a supraregional bank. That should actually work well. Don't let it get you down.

Then I can't understand it. Try another broker or a nationwide bank. That should actually work well. Don't let it get you down.

Definitely not that. But then, as suspected, it's not because of our financial conditions. The application went directly to ING today. However, it was also said that if Sparkasse doesn't do it, probably no one will.

So I've been following the forum for a few months now and in my eyes it's a solid financing. But once again you can see how much influence the computers have. Machine more important than human -.- How much is the land worth? I can only imagine that the land is valued very low as equity.

Interhyp had rejected our application for the same reasons for an old property. The property was worth a maximum of 90,000 in the region. The local Sparkasse just laughed and gave us a great offer. That often happens.