House purchase planning - but completely uncertain

And you think our clients don’t talk to us? Or that we don’t see when someone takes significantly more than the agreed purchase price? But you already know everything anyway. Believe whatever you want.

And you think our clients don't talk to us? Or that we don't notice when someone takes significantly more than the agreed purchase price? But you already know everything anyway. Believe what you want.

Yes, the clients are currently talking to you about their financing and boasting about the full financing. Attached is an excerpt from a study by Postbank. Thanks to its subsidiary DSL, one of the leading institutions in construction financing. Full financing increasingly popular Almost a quarter of Germans finance their property without using any equity (22.87 percent). Overall, 71 percent of builders bring at most 50,000 euros. And this, despite banks charging an interest surcharge if the borrower cannot contribute anything from their own funds to the financing. They thus account for their increased risk of not recovering part of the lent money if the builder gets into financial difficulties. The amount of loans is in most cases between 100,000 and 150,000 euros (23.5 percent).

That's nonsense. If 70% have a maximum of 50k equity, most loans can't just go up to 150k. For 200k there's no house all inclusive?

That's nonsense. If 70% have a maximum of 50k equity, most loans can't just go up to 150k. There's no all-inclusive house for 200k, right?

23.5% OF ALL loans are between 100-150k. That means the rest of all loans are under 100k or over 150k. I will not post a link. It is forbidden here.

Yes, for many it is very tight, that's true. But the banks don't really care about that.

Actually, they do. Since last year or the year before, the bank has an obligation to carefully check living expenses, etc.
I'm not a banker and admit to having little knowledge about this. But I was once required to read every contribution here, and that's how I acquired the knowledge about it.

Off Topic: I can't remember having chatted with anyone about my financing I would probably have been a bit ashamed with full financing. I find that a bit strange, even though I am an open type of person myself... hmm

You can't get a house all inclusive for 200k, right?

Oh yes, of course. I sold mine for 165,000. There are still plenty of those; prices are not rising because the houses are getting older. And there are still lots of such houses... those who want to build or reject townhouses or don't look at those built before 1980 and filter them out immediately have no overview.

Of course. I sold mine for 165,000. There are still plenty of those, prices don't increase because the houses get older. And there are still plenty of such houses... as a prospective builder or those who reject terraced houses or don't even look at anything built before 1980 and filter them out immediately, one has no overview

Exactly, the banks check the easement until the full repayment of the loan. But that does not mean they consider all eventualities. That means if you have 2 full incomes, they are taken into account. If you want children and have children, reduce your hours and income, you don't have to blame the evil bank. Just like always this new and xxxxl at xxxxl prices. Why not used and cheaper or a condominium. Well, everyone thinks as they do.