Is the financing offer okay like this?

2018-07-24 17:35:59

I have to correct myself. The interest rates are 0.3% worse than at HVB (assuming it really will be an 80% loan-to-value for you).

But it’s not just about the interest rates. How do you find the fixed interest term?

Either you go directly (online/offline) to them or through a financing broker. At the same time, if my suspicion is confirmed, you can give DB the middle finger for the *vertriebs_bla_bla*

Another question: Rate + additional costs would be around €2350 with the mDB offer! Do you think you can manage that for the next 30-40 years depending on prepayment?

Ok, I will suggest to him to make an offer at HVB. Thanks for the tip!

I don’t find the fixed interest term very good. But I can’t compare anything yet.

It is a house with a granny flat where we will get about €500 rent.
We have an income of about €5800.

Whether you can manage that for the next 30-40 years is hard to say. For now yes, but you never know what will come.

As I said, I’m also honest… I don’t know much about the numbers. I’m good at other things but not this kind of stuff :-)

Thanks already for your answers!!

2018-07-24 17:56:41

Who do you want to suggest something to?

2018-07-24 18:03:41

Far too low repayment and high residual debt

2018-07-24 19:12:42

Yes, he sent that to me. He said Deutsche Bank currently has the best offer.

Deutsche Bank "direct" can do that better. In particular, they can also offer fixed interest periods of over 20 years.

In particular, they would first ask what is actually important. So, whether flexibility or security and other important factors matter.

And above all, how the remaining debt looks after the fixed interest period.

It is a house with a granny flat where we get about €500 rent

After or before the tax office was there?

2018-07-24 19:22:24

The German bank "direct" can do that better. In particular, it can also offer fixed interest rates over 20 years.

In particular, it would first ask what is actually important. So, whether flexibility or security and similar important things matter.

And especially how the remaining debt is after the fixed interest period.

After or before the tax office was there?

I deducted €100 for the tax office. Rent is then €600.
In the first year, you don’t have to pay taxes, and the financing is also still taken into account.

2018-07-24 23:02:21

Why do you absolutely want to build an [Einliegerwohnung] to rent out?

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Is the financing offer okay like this?

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Caspar2020

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