How much money do you have on the edge?

Then indeed a slightly higher loan-to-value ratio arises. But I can’t understand that, because every bank accepts a small EL portion (which increases the lending value) and no bank checks whether I actually take a shovel in my hand.

Well, that already borders on fraud. I wouldn’t have expected that from you .

Anyway, you can also count your €5000 personal contribution for the garden even if no garden is done. Thus, every new measure will worsen the loan-to-value ratio because the EL portion cannot be increased arbitrarily.

and no bank checks whether I actually take a shovel in my hand.

Are you serious? You, as an experienced financing broker, are publicly encouraging people here to deliberately provide false information to the financing bank? Doesn't that count as fraud or something like that?

If my financing broker were to urge me to commit fraud, I would at least stand up and leave. I might also inform the race control and/or the responsible authority…

Ok. 100k + additional costs equity capital, house purchase for 200k. Loan-to-value ratio 100k/200K = 50% House purchase for 200k + 20k outdoor facilities, loan-to-value ratio 100k/220K = 45.45%

I don’t know what is being calculated here, what is supposed to be calculated, applies nowhere. Where are the costs divided by the equity capital? What is intended to be calculated with this? At least not the loan-to-value ratio.

Financing...

Financing broker

I don't know what is being calculated here, what is supposed to be calculated, it is used nowhere. Where are the costs divided by the equity capital? What is the purpose of this calculation? Certainly not the lending value

You come across as quite unprofessional with your manner right now. Is this how quality is to be brought into the forum?