Impacts on loan when equity is in property

The loan value must be the basis, as the legislator sees this as the only basis. The [Sachwertmethode] is one (of several) methods to determine the loan value. An alternative would be the [Ertragswertmethode], which is used for rented or commercial properties. Another possibility is a discount method from the market value...

However you look at it, the loan value is quite clearly regulated, even if there is no single correct solution for it.

Strictly speaking, the loan value is not determined but set after other values ([Sachwert], [Verkehrswert], [Ertragswert]) have been determined.

@Voki Can you tell me what your job is? Then one knows your area of expertise and does not beat around the bush...

And also the index procedure .... etc. We can wonderfully continue the chain of the (usual) calculation methods and their applications here, but it would be quite boring. ;-)

No matter how you look at it, the lending value is quite clearly regulated, even though there is not a single correct solution.

Every caseworker, every bank, and every appraiser come to different results. That cannot be surprising, since the assessments (especially of the market value) are very subjective.

Strictly speaking, the lending value is not determined but set after other values (asset value, market value, income value) have been determined.

Of course, it is determined and (afterwards) then "set."

@Voki Can you tell me what your job is? Then one knows your area of expertise and doesn't beat around the bush...

uh, no. Feel free to beat around the bush, I'll correct it occasionally. ;-)

You know, you can have good discussions with professionals, but kindergarten is not my area.

I'll briefly explain to you why that can't matter:

It depends on the content of the posts. Most information can be looked up - completely effortlessly - anywhere. You also quickly get a sense of whether a post or its author is talking nonsense or if there is actually something behind it.

I simply do not like statements like "... I've been doing this or that for so long..." and the (expected and) connected conclusion that what is written must therefore somehow be true. I've already read so much nonsense from so many "experts" everywhere that I personally pay attention only to the content, especially since the information often simply does not correspond to the facts.

This has nothing to do with kindergarten but reveals a lot that you immediately assume mischief here. ;-)

PS: I also discuss with people who are not experts but can join the conversation just fine.

I am not implying any mischief here, it was merely a question about your professional qualification because you have already caught my attention several times with very in-depth professional comments. Of course, there is relevant specialist literature on every topic, but it would be new to me that a layperson deals with mathematical risk models and at the same time knows the content of the [BelWertV].

Therefore, it was solely private and professional interest.

Nevertheless, you will understand that I simply do not disclose such information publicly in a public forum. It depends on the content, not on the (alleged) expertise. If you are then really interested - with me or other forum participants - then just ask privately. ;-) That’s how I would do it.