Financing with grace period loans + building savings contract

Peace ??? So I was finally threatened with legal action, I don’t know the reason. I only write negative things when I feel it is a close call. The original poster should do business with you quietly. First come, first served

Let this topic be over here, I have explicitly told and described to you what the criminal offense was and of course it must be prosecuted, but now others decide on that and if this had not been done, we would not need to argue about it.

It is up to us not to play this out to the detriment of others here, it is up to us to behave in such a way that the discussions provide help and are fruitful for those seeking help.

I think we will both succeed in that as well.

Enough with your argument now.

Back to the topic: I am not recommending replacing an intermediary with a portal, but rather doing BOTH. Intermediaries AND portals AND banks (plural, more is better).
The individual, perfect, and highest quality financing can be achieved through any path. At least it converges in the same direction and all differences can be explained as to why something doesn't work the way you want. If that doesn't work, then as a "customer" or "consumer" you are so indecisive and let every side push the first thing they can sell you.

Tassimat, then let me be kindly clear once, or rather ask something without reprisals, or kindly put it up for discussion.

This financing is a standard financing, for a consumer who was poorly advised beforehand, both in terms of the concept and the accuracy of the figures from the offer. Possibly the OP also misunderstood something, but maybe he will only receive the final figures later. That can be clarified, or the OP can be made to understand.

The fact is also that a third party provides a good concept/offer based on the figures available to him and opens eyes - together with others. So there is a lot of added value, that fits quite well. But why should this third party, assumed to be an experienced and independent financing broker with countless references from these very circumstances - forum, online financing, or financing over distances, countless satisfied consumers/customers/people and families (proven) for 9 years without a single complaint, without any statement of a negative experience (I have to assume this for now, although some here know it) - act fearfully and interpret the forum rules in such a way that he does not accept the requested help and support (this is now the third case here)?

There would be specifically 2-3 other considerations for this financing (e.g. the flexible alternative annuity 15 years fixed with repayment of the residual loan with building society savings contract), which I would gladly present here based on numbers, data and facts and thus put up for discussion, but people are afraid (actually unbelievable) of violating the rules, as this apparently is not desired by the operator, while the OPs want that and even request more support?

What is right, how is it done, especially since one is eager to help and support usefully, more than apparently allowed?

Durm 2019, how high is the monthly interest and repayment burden that you desire, that is acceptable to you and with which you can mentally sleep peacefully?

So we were thinking of a monthly burden of ~1100.00 €.

Tassimat, then let me be kindly clear once, or rather ask something without reprisals, or kindly put it up for discussion.

This financing is a standard financing, with a consumer who was poorly advised in advance, both in terms of the concept and the accuracy of the numbers in the offer. Possibly the OP also misunderstood something, but maybe he will only receive the final numbers later. This can be clarified or made clear to the OP.

Actually, we will only receive the final numbers for the offer next week; the financial advisor first presented the whole concept just on a piece of paper and spoke of the rates I mentioned in the first thread (~€1120.00 in the first 15 years and ~€1200.00 in the next ~16 years) and that we would be finished in 31 years. Unfortunately, we believed that for the time being as well, and it sounded like a viable option to us under the circumstances.

In addition, he had a variant with 20 years (2.01%) and 30 years (2.45%). However, the 30-year variant would not have been an option anyway because of the too high monthly rate.

Let’s just put this topic to rest here, I have explicitly told and described to you what the criminal offense was and of course that must be prosecuted, but that is now up to others to decide, and if this had not been done, we would not need to argue about it.

It is up to us not to take this out on others, it is up to us to behave in such a way that the discussions provide help and are fruitful for those seeking help.

I think we will both manage that too

Ah, so that’s why the ECB warned me! Clean