Is consulting consumer centers recommended?

Hello,

I have been dealing with the whole financing topic for a while now. Nowadays, you read everywhere that concrete offers should ideally be independently reviewed. Consumer advice centers do this, for example. Here in [Hessen], it costs 150€ for a 1.5-hour consultation. Unfortunately, I can’t find any reviews of these consultations. So how in-depth are they? Are they more aimed at complete beginners or also at builders who have already dealt extensively with the topic? What can one take away from these conversations? How is the quality of these consultations consequently? Has anyone perhaps already been to such a consultation in [Hessen]?

I would be happy to read some opinions on this. The appointment can still be canceled without cost.

Thank you!

Regardless of the fact that I do not know the quality of these conversations, I think it strongly depends on the respective consultant and their experience. For a standard case, the quality will be fine, but as soon as special features arise, it depends heavily on the knowledge of the individual, regardless of whether VBZ, broker, bank advisor, or, or, or.

Here too, help can be provided within a certain scope or individual offers (with enough details available) can be commented on or evaluated for sense or nonsense.

I don't think much of the Verbraucherzentrale here. It is better to use common sense and get 2-3 offers that you understand. Preferably annuity loans. No hocus pocus building savings contracts, Riester components, small loans.

Too bad, I had hoped to meet someone here who might have been in such a conversation before and could share something.

I would be glad to read some opinions on this.

IMHO a sensible person can save the money. Whether you can afford a house, you should realize quickly on your own (if your bank doesn't give you a loan, then forget it). If it basically fits, then take an annuity loan from the bank and possibly KfW. Everything else (building society savings, Riester) is IMHO (!) only attractive in special cases. And the simple case (annuity loan) doesn't need a consumer advice center. You can't change the small print anyway, you can't negotiate the contract with the bank. You can get three or four offers and then choose the one with the best conditions for you.