Follow-up financing - under what conditions?

I find it more than fair for a loan completely without collateral.

Correct, it only referred to the relation to the interest rates for mortgage financing. After all, you have to be a property owner, and the money cannot be used for a cruise... but flows into the property. So there is somewhat more security than for a freely usable installment loan.

I find that more than fair for a loan completely without collateral. And compared to the history, it's a bargain anyway. For a €40k loan, that's only €100 interest per month. To be honest, with that interest burden the interest rate doesn't really matter. Whether it's €50 or €100 per month. If that (= €50 more or less) gives you a stomach ache, you shouldn't finance at all.

So it's not indifferent to me. I don't want to unnecessarily shell out €50 more every month if it can be done differently. We’re not that well-off.

At the moment we’re doing well, sometimes even have some money left over, can go on holidays again, and don’t have to watch the money so closely anymore. And that's how it should stay because it wasn’t nice before. For years we had to watch the money very carefully and through strict saving already during university we were able to buy the house shortly after finishing our studies and sacrificed a lot, but we don’t want to do that for another 15 years. The car costs us an average of €180/month annually (I’ve been keeping a household budget since 2016), we would get rid of that, and we could pay off the consumer loan, then we’d have €430 more available monthly. From that, one could then pay off the €40,000 or however much it would be. I’d prefer a payment of €350 per month. The bank has huge collateral with the house, since we bought it well below value, have since renovated, and the current value is now about twice as high as in 2017. In 2017 the sellers could already have asked for €100,000 more for the house.

The roof needs to be done, yes. We’d like to have it done by next year at the latest. When you know about problems, you want to have them fixed and you don’t sleep so well anymore, well, since you know about it. But we need lead time, and luckily we have that too. We could also have it done next spring, save up until then. I think about €5,000 is realistic. This year we still have to fix the shed roof, need the kitchen door and a new kitchen window, and we also want to go on vacation. Borrowing money within the family is out of the question, the sum is too high for that. At least for our personal feeling, we just don’t want that.

I can understand. Only the additional financing always becomes more expensive and unfortunately you are now bound. Have you asked the house bank?

Statement from the bank: Basically doable, up to 50,000 without a mortgage. You need an estimate and some documents, then they will review it and can give us a concrete statement. And that's how we'll do it now, then we'll have a direction from the bank and everything else can be clarified later.

Hello! We bought and renovated our old building in 2017. Now, for various reasons, the roof still needs to be done. The roofer estimates 30,000-40,000 €. In 2017, we took out 239,000 € with Ing-Diba. We pay 1,050 € monthly, which is 3% repayment. Financed back then with 2.3% interest and 15 years fixed interest. Today, our financial situation is significantly better than back then. Two permanent employees. He full-time 2,600 net, she 1,150 € net part-time plus 13th salary. 2 children, 4 and 6 years old. A consumer loan with 6,000 € still open, we pay 254 € per month. We manage financially well. No other obligations. 1 car. What conditions can we expect? We are probably tied to Ing-Diba because of the land charge, right? Is that then additional financing?

directly at ING
they do it, take for the amount daily conditions + 1% surcharge.
If the house is worth more than the loan (the roof renovation positively affects the value) then it’s completely relaxed.

with that income, ING grants up to 400,000 EUR loan amount

The house is already worth twice as much as the loan. It was sold well below value back in 2017, has been renovated since then, and prices have risen sharply again since then.

The roofer is coming soon because the situation apparently changed again; it might still be possible to repair it well. The roof itself is still completely fine (roofer's statement in 2017 during the inspection: This is solid work, it will last another 20 years or longer), it just seems to have one leak contrary to the initial assumption of the roofer and the drywall installer (there is a problem with the insulation renewed in 2017, which is why both trades are involved). If it can be repaired well, we will have it done and then "only" need to insulate again because the current insulation is now ruined due to moisture. But that is better than a completely new roof. That is 6,000–10,000€ versus 30,000–40,000€...
If anyone is interested in the whole story, I can gladly write it, but I would have to elaborate a bit more on the topics of insulation, roof and/or timber frame construction, and roof.