Consumer protection certainly not. If a bank does not provide a follow-up financing to a borrower who always pays their installments on time, and this reliable borrower then loses their house simply because in 20 years, when they retire, their pension might be so low that they perhaps (!) could no longer pay their installment—but would only have a remaining debt of 5000 euros... then that has nothing to do with consumer protection. And that is exactly how it will happen, a financing broker from a large agency explained to me. A forced auction is forced because there is the completely hypothetical risk that in 20 years there might be too little income könnte.... and to prevent a forced auction in 20 years... that is how consumer protection is imagined, exactly.