Maximum construction financing based on income

  • Erstellt am 2020-05-30 07:54:56

mondbau

2020-05-30 11:35:46
  • #1
Hello, thank you very much for the comments. The thing with the car is really off-topic. The 0.03% dependent on km to work, 1% gross price and half of the lease rate make the whole thing more expensive. It's just a 40k car. Just saying no and wanting a different one now is not that simple. Only after 4 years. Then you can get a Skoda for 35k and maybe pay 400€. That’s for the off-topic...

The question is about the current status, since the bank is interested in now and not what the second spouse plans after a few months... or whether you take a cheaper car...

The question remains. Does child benefit count as total monthly income at every bank? Then it would be 3500 + 400 * 110 = approx. 430,000€ financeable or without child benefit = 385,000€... Are the 110 fixed with good conditions at every bank? Or are there also times when it's 140 or similar...

Whether it makes sense, whether one can handle it psychologically, whether one can pay if one dies or is abducted, is another matter; this is about whether it can be financed or not...
 

HilfeHilfe

2020-05-30 12:04:52
  • #2
I already answered that! Child allowance and child benefit cancel each other out! And refinancing will not be representable in your category. Now anyway
 

mondbau

2020-05-30 12:29:44
  • #3
Sorry, I didn't quite understand. So they cancel each other out. That means no addition.
 

mondbau

2020-05-30 12:34:03
  • #4
I found a calculator on the ING site. budget calculator According to it, the possible financing amount increases considerably the less the fixed interest period is. And it increases considerably the less the repayment rate is. Who can explain this to me??
 

HilfeHilfe

2020-05-30 12:46:24
  • #5
Of course! Less repayment = good for the bank, bad for you. But you can increase the loan amount. Short fixed interest period = lower interest rate = loan amount increases. Have you had your project checked yet??
 

mondbau

2020-05-30 12:51:25
  • #6
ING does not check directly, they refer to Interhyp or their own financial broker. Conversely, one can say that it is not only your income that determines the maximum loan amount, but also the interest rate lock period and the repayment.
 

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