The point is that on the information sheet you have to sign, it states that the broker receives a fee of xxxx, xx euros and that this is paid by the financing credit institution. I don’t care at all if the amount is somehow covertly included in the conditions, as long as the condition WITH the broker is 0.5% lower than WITHOUT the broker, as it was with us.
What's crucial is that the form does not say that the CUSTOMER pays the broker, because then they might also demand payment for "mediation efforts" even if the financing does not come about. I read this in the terms and conditions of a financial broker on the Internet. And even with successful mediation, as a customer you don’t want to pay an additional 1200 euros (as an example) if it can be done differently.
Yes – you are right.
On the other hand, the financial advisor would be pretty stupid if they didn’t present this information sheet. There's hardly better advertising: I advise you comprehensively and you don’t pay a cent extra.
There are, as you already wrote, also financial advisors who include such "defense conditions" in their terms and conditions. Defense conditions because the financial advisor is rather reluctant to work for free and wants to prevent receiving nonsense inquiries or just being used for "verification" of other rate inquiries. How one deals with that is up to each individual.
For example, I got to know our financial broker at a real estate fair. He gave a lecture there and later handed out a "consultation voucher" worth 300 euros to interested parties. He said that normally he would charge 300 euros for a consultation which would not apply in case of a conclusion. I asked him directly to what extent this 300 euros (without voucher) was a "defense amount." He blushed slightly and then confirmed it with a sly smile.
By the way, I still don’t know if he would actually have charged 300 euros or if he just said that as advertising (to boost the value of the voucher). But I didn’t care either. What was crucial for this broker was that he responded to an inquiry from me at very short notice and submitted a clean offer.
The human/customer is simply such that they like to take something "valuable" (voucher) with them.