Loan only up to €140,000 with €1,200 monthly?!

Please keep it low key!!! Fraud is a nasty word and can easily lead to misunderstandings. A bank is a product seller - an independent financial broker - alongside many asset advisors who are sometimes only multiple agents - there is also fee-based advice for everything. So since everyone has to earn money at the end of the month, it's completely okay if the advice was good, the product fits, and the price is favorable. Right?!!? You decide what you want. But to believe that anyone earns 0 € from sales or work is unrealistic. And I see KFW subsidies much simpler. Calculate for yourself. For example, a drilling or air-water heat pump costs about 10,000 € EXTRA PRICE. With a saving of about 20 € (an example) in heating/energy costs (classical heating models around 50 € per month) you need about 30 years - then your investment reaches the break-even point. Everyone as they want and can. And every new house must meet the Energy Saving Ordinance 2009 by the end of 2009 - basically meaning heating costs of about 50 € gas with solar as classic + standard alternative