No disbursement of funding - Tax office is slow

Does a (fee-based) priority certificate from the notary as an advance on the mortgage possibly help? Clarify with the bank.

It takes that long with the tax office in Brandenburg, there are only three tax offices left in the entire state that handle the real estate transfer tax. We had our notary appointment in June, only recently received the questionnaire for the real estate transfer tax, but not the notice yet. As others have already written, you need to talk to the bank. But you should already have a priority notice of conveyance in the land register, right? That should actually be enough for the bank to secure their position.

So I think Dirk Graefe's suggestion is good, that the notary confirms that the process has been submitted to the tax office and maybe it's possible to get a confirmation from the tax office as well. But whether both do that is questionable, as is whether it will be sufficient for the bank.

The suggestion with the ranking certificate from the notary is what we would like, namely a notary confirmation, but that only exists after the real estate transfer tax payment. At least that's what google spits out for me. I am not a lawyer and find all these terms awful.

I need to find out more precisely about the [Auflassungsvormerkung], I'm not exactly sure if we have it and/or if something is still missing there. But thanks for the hint, I will check directly with the bank whether that is sufficient.

Thanks to everyone.

Best regards, Sophia

namely a notary confirmation, which, however, is only available after payment of the property transfer tax.

I think that is nonsense. Here is a publication from our notary, who has some expertise regarding "notary confirmation":

dr-ehrenkoenig.de/veroeffentlichungen/Artikel/13.%20Artikel%20-%20Notarbestaetigung.pdf

We also needed a notary confirmation to shorten the waiting period at the land registry office and to persuade the bank to make the payment. It was not a problem at all.

To be honest, I also don’t understand why the tax office & the property transfer tax payment interfere here. It is true that you only become the owner definitively after paying the tax, but since a real estate purchase is a "simultaneous exchange" transaction, the bank already has sufficient securities from the previous steps to release the funds.

Hello Sophia,

I do not know the amount of this first installment.

If it is not terribly high, you could perhaps arrange a short-term variable loan with the bank with an alternative security (guarantee from the parents, transfer of ownership of the vehicle as collateral...) for the bank and then repay it with the "normal" loan.

Regards,

Dirk

You especially don't need "google". You pay a lot of money to the state, the bank, and the notary to process your transaction, provide you with legally binding information, and, if necessary, explanations - that's their job. So step on their toes.

"Google" and "Wiki" are really not bad, but the direct route to the expert simply leads to the goal faster.

Best regards
Dirk Grafe