f-pNo
2014-04-23 21:53:40
- #1
Since I am always a bit skeptical, I would also like to get tips and information here, but also gladly criticism. I am not sure if this makes sense, I know these are relatively few details at first, but also because I am certainly overwhelmed by the situation, as it is not my area of expertise.
Best regards & thanks
So far, I have always made my payments on time, I have always redeemed my loans early and both were only for the vehicle. This endless personal approach is slowly getting on my nerves. When it comes to dealing with money, I probably don’t have to prove anything to anyone, this constant assumption of naivety should really be over by now.
I think the situation is simply too complex for a forum, I had planned to seek independent advice anyway – do you maybe have tips here?
To be honest, I am getting tired of this. You should realize that all those who write here sacrifice their personal free time to help you to the best of their knowledge and conscience with advice and support. If you cannot handle the opinions/criticisms here, then you should not ask. So far, I have always answered neutrally to help you. But after your last post, I feel personally attacked.
I tried to tell you that you should not rush anything in your house search and that you will most likely have to make the painful experience that your wishes and your capital (including the loan) will not match. Emer wrote it correctly earlier. You then have the possibility to either "lower your expectations of the house" or increase your capital.
Your car loan, which you will probably redeem early, will certainly have a positive effect – also on your Schufa status. The loan request of €180,000 is certainly feasible for you (that’s about €900 per month). However, I doubt you will find a house for this amount (including ancillary costs) that will fully meet your structural requirements.
The problem with "friendship loans" is that they can backfire on the friend. I can only say this: independent review bodies – credit department, internal audit, external audit, compliance.
Independent advice is certainly a good way. However, you should keep one point in mind here as well: the advisor (except for a fee-based advisor) only earns money if a transaction is concluded.
In conclusion: there are certainly some people in this forum who are familiar with banking because they have been working in the field for years. At least three of them have posted in this thread alone. And they have nothing to gain by giving you their advice here.
I am out now, otherwise I will only be annoyed that I tried to help.