How much money do you have on the edge?

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…

Of course, I would make a point of that, but you do not define fraud, let alone seem to know how banks define it!

Talking about fraud here shows exactly where this discussion is supposed to lead again, but you won’t get me there.

A little tip: if you are good, experienced, and people have known you and your work for decades, then in part you are the bank.

It should be instantly completely clear to a professional that he accidentally calculates the equity ratio here, which by the way equally validly supports the statement as if he had actually calculated the loan-to-value ratio. Why this is the case, you may consider yourself

Unnecessary, because no one asked for it. Of course he can simply calculate it here like that, fine, but then he should not necessarily want to correct my theses, because both have nothing to do with each other.

Kekse, I will withdraw a little here in the interest of the others, I can already tell exactly where this is going.

We have peace here and we will keep it that way.

Just a quick reminder for Kekse and Matte1987 about what it was about

Sorry, but I don't understand how the outdoor facilities, which are valued with a 100% appreciation, could in any way change the loan-to-value ratio. It doesn't make any sense to me and has no application in my daily work with the banks.

No, if anything, the imaginary loan-to-value ratio shifts higher, but this is always balanced out by indicating a lower equity contribution, and if done correctly, it even improves because you state a bit more equity.

Now we are dealing with fraud and equity ratio calculations.

As I said, I'm off now.

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

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

well, some brokers offer to mark all personal contributions in the submission through an expert / structural engineer / engineering office.

A knave who thinks badly of that^^

Now just stay here and please enlighten us laypeople with your way of thinking, why "external facilities, which are valued at 100 % for appreciation" do not change the loan payout. If that's so clear to you, it should be easy. And please leave out the fun with the personal contribution this time, because just because you like to apply that as a "trick" doesn't make it any more correct. Whether this is fraud or not, I don't want or can't judge, but that was never my point.

Just briefly reminded Kekse and Matte1987 what it was about


…

Now we are at fraud and equity ratio calculations.

As I said, I'm off then.

No, I’m not going to explain to you how loan-to-value ratio and equity ratio are related. Take a course if you don’t know that. Tip: that was exactly what it was about.

I also don’t know what it’s supposed to be “about again.” Do we know each other better? Was there a “previous time” and if so: what was it about?
From my side, it’s about you spreading nonsense here that can mislead unsuspecting readers.