House purchase - Proposal for financing model correct?

Who is the financing proposal from? House bank, another bank?

PSD Bank

House bank has unfortunately made very bad offers.

... as suggested, take an intermediary. The jump to get below 90% is not big. Your contact at the bank has no interest in arranging a cheap loan for you. The bank pays for it anyway. Whether the commission goes internally or externally doesn't matter to you.

By the way, I am also just a customer. Who currently has the loan agreement in front of him and will send it to the bank on Monday. I did it through a small regional intermediary here with us, who already supported me with the land purchase.

@ zaba12 I have already dealt with some agents, their offers were all more expensive. Let's see if I can find another one here. You can send me your agent via PM.

Thanks

Zaba, don’t be crazy. First, it works without intermediaries, secondly there are enough banks that don’t work with intermediaries. My bank, a Volksbank, knows me, I’m a member, didn’t ask anywhere else and got 1.25 nominal, 1.29 effective. However, we only borrowed 100 out of 270. They also only registered 50 in the land register and accepted a life insurance policy as security for the rest. By way of silent assignment. If you have a good bank and not just some online institution, you don’t need such financial jugglers....C and A business dress, leased three-series BMW, Gel and Davidoff cool water spray... no no, they don’t get into my house. Karsten

but what does your construct have to do with my example? completely different conditions and therefore the bank can also offer something completely different.