Loan agreement with condition: valuation report

I just checked. It says inspection by an expert and photos of the front and back of the property. No interior inspection. I'll wait to see what @KarstenausNRW says, but I think I won't let anyone in.

Hi – without your consent, the appraiser is neither allowed to enter the house nor take photos inside. That is correct. Whether such consent was already given when signing the contract, you would have to check. For example, we also have our own appraisal company, which for private customers and small financings only inspects from the outside. For more expensive properties/higher financings, we actually want to go inside. These are loans from €600,000, as there are simplifications in the Beleihungswertverordnung (mortgage lending value ordinance) for smaller financings. Aside from that, you (your family) share so much information here in the forum and probably also via shopping portals, social media, etc., with data-hungry companies, that with a 1:1 customer relationship, which ideally lasts decades, I wouldn’t be so stubborn about insisting on my privacy. Every mail carrier ends up seeing more of your property than the bank does. Such an attitude towards the bank financing the house is pretty extreme ;-) P.S. The interior inspection usually takes 2-3 minutes. The appraiser can also easily do without photos; he just wants to take a look inside the house.

Hi all, now my bank has also commissioned an appraiser. So far so normal. However, on the appraiser's scheduling page, it now says that they also want to come into the house and take photos of all rooms. Question: 1. Is that normal? 2. Is that lawful? 3. Are there consequences if I refuse entry (I would allow photos from the outside)? It would be nice if those of you with relevant experience (e.g. ) could say something about this... Thanks.

Quote from consumer protection:

The bank is trying to send you an appraiser and uses the pretext of a banking supervisory regulation, but you don’t need to be unsettled by that. You have the right to keep the appraiser standing outside, even if an appointment was made with you. He has no right to enter the apartment or house if you do not consent. Furthermore, he is not allowed to take photos of the interior if you do not permit it. Even if you do not let the bank’s appraiser in, you do not have to be afraid because the bank may not simply terminate the loan agreement because of that. Termination is only possible for a justified reason, and not wanting an appraiser appointment is not such a reason. The bank may only exercise its right of termination if you are in arrears with the loan payments, i.e. have not paid. It is legally prescribed that the appraiser is not allowed to inspect the house if you do not consent, and just because you do not let the appraiser in, the bank may not terminate. The legal basis can be found in §§499 and 498 of the Building Code.

So, you do not have to allow entry and taking photos. In the next paragraph, it is advised to possibly negotiate a compromise and let the appraiser in but not allow photos. After all, you don’t want to sour things with your bank.

Arrgh.
It's not in the actual contract, but on the sheet where consent for the sharing of data with business partners is given, there is also a point regarding interior inspection including photos, of course nicely hidden.
Damn.
Personally, it doesn't bother me that much, it's more about the principle. But my wife just can't stand it. For her, someone stranger is invading the intimate private sphere. It's probably not something neurotypicals can understand.
Well, let's see if I can negotiate some kind of compromise (only the ground floor or something).

P.S. The interior inspection usually takes 2-3 minutes. The appraiser can also comfortably do without photos; he just wants to take a look inside the house. [/QUOTE] was significantly longer for me at 2 hours even though a sales appraisal from the real estate agent was already available

You do not have to allow entry and taking photos. In the next paragraph, it is advised to possibly negotiate a compromise and let the expert in, but not allow photos. After all, you don’t want to jeopardize your relationship with your bank. [/QUOTE] normally the appraisal is done before the contract is signed and there is zero room for negotiation. There will simply be no loan approval.

2h?! What did he manage to look at in all that time? Or how big is your property? Well, I already have the loan approval. I also agreed to it. The question is, what happens if I now revoke my consent only regarding the interior inspection? Would that then be grounds for termination? I see, I probably have to consult a lawyer. And this is funny again. Private legal protection insurance excludes everything related to acquiring real estate (including its financing). Builder's legal protection explicitly excludes the financing of the construction as a subject of dispute. So once again, I'm left on my own. Meh.