Fundamental questions about financing

Zaba, thank you for your words, your words, I see it more nuanced and not from the perspective of financing, as that is not even an issue, and certainly not from the bank’s standpoint.

Of course you may call it a scam, and of course share how you would handle it, also regarding my person assume that I state my opinion for profit reasons, but be sure, it changes nothing about the outcome. Even if you express your opinion about me very, very biased and especially from the viewpoint of knowing me as a person, because the latter I cannot change, you know one, you know them all, no individual consideration, I do not stop generalizations and sweeping statements with some, you must not expect that from me.

It’s not about you and not about me, nor about a possible business, it’s about a grievance, which one person sees one way and another differently and acts accordingly.

Furthermore, I consider it inappropriate to see me here as an intermediary, because I am not, and be sure that I express my personal opinion as well (which in this case was without recommendation, because I know far too little for a judgment, a recommendation, advice and I have mentioned that overall) as I will correct professionally incorrect statements.

And whether it’s appropriate to speak of shoving somewhere else, is another question, and whether only you are open and honest even more so, because I certainly would not tolerate that if I were not open and honest.

This is not my forum, but also not yours, and while I play a big role for you, you play no role at all for me, and I think that is the better way if you want to be part of the forum community in peace and quiet.

Your constant hostilities (including those from owners of others) do not bother me, but I won’t tolerate them either, and that should be allowed in a forum, and if among others you leave me alone and ignore me, then the others who are not responsible for our drama (I really don’t know where your anger, your insinuations and your campaign against me come from) will not be annoyed and burdened.

One more thing, if you continue calling me Thomas, then I will call you Sabba too, just briefly, because you made a fuss about it!

In the end, you decide on the quality of life and not some intermediaries from Braunschweig

No, have 2 cars.

Of course, that also plays a role, or when you have to drive the children to the neighboring town to play and pick them up.

The sports club is in the "expensive" town and can be reached on foot or by bicycle.

Even a fixed interest rate period of 5 years (1% with a fantasy surcharge of 0.8%) requires the bank's approval first. That is not yet certain, but only an idea from the forum.

That is correct. I will discuss this idea with the bank on Monday. Unfortunately, they are not available today. And if the bank cooperates, I would also be willing to pay 1.3% for 5 years. For me, it’s a matter of principle. Better 5 years at maybe 1.3% and then another 10 years at perhaps 4%. Who knows. Gazing into the crystal ball doesn’t help for now, I need a statement from the bank whether they would cooperate (which I don’t believe, but hope).

In the end, you decide on the quality of life and not some intermediaries from Braunschweig

I have not made or implied a single decision and have not even communicated what I would do, nor is it in my nature to do so!

Rather, among other things, I have made it clear and shown that, of course, the person on site must decide individually and this decision will go in various directions individually, and we cannot judge that, at least I cannot, as I have far too little information available, both about the person and the circumstances on site!

I can quite understand that one insists on principles.

But despite being very upset about the bank, you should still not lose sight of finding the most favorable solution for you, and that is likely to consist less of sticking to principles and more of significantly higher interest rates after 5 years.

Then everything is settled. So we have to continue like this, which is quite a pity.

Honestly, I have nothing against professional and factual information being corrected in posts by people who do it professionally. On the contrary, I can only learn from that myself. Even if a TE were to ask here for a financial broker, I would say there is a Rumpelkopf aka Thomas Buchmann running around here who does that professionally.

However, and many people here are bothered by this, not just me, is that you are not able to perform this transfer task, to respect opinions without apparently disparaging them. Because that is basically what we do here. It has to do with respect and decency. If you behave like a bull in a china shop, you shouldn't be surprised when there is headwind.

And no, of course I don't know you, but like many others here, I know how you can behave.