Our financial situation - Your opinion?

But the banks only do the Schufa check once a financing commitment has been made, right? There shouldn't be anything negative in it anyway ;)

Just a tip: if you haven't checked it yourself beforehand (self-disclosure), it might be too late at the crucial moment. I know of a case where a namesake was happily committing fraud by placing online orders and not paying for them, which was then recorded under the Schufa of a completely unrelated person … they didn't get a loan at first …

Why do so many others then get a better offer through intermediaries than directly??? I don't understand...

Credit report has been requested. But given my name, I don't assume there is a doppelgänger who caused trouble.

Just received feedback from Deutsche Bank: 1.28% and rien ne vas plus :confused:

I found the information on biallo to be very realistic "in my time". Calculators from Interhyp and the like always only provided teaser offers. If I look at it, with an 80% loan-to-value ratio over 20 years, you end up in the range of 1.2%.

The thread is already so long... the Commerzbank offer at 1% is from a while ago though and/or was based on a building savings contract (which mostly involves a lot of smoke and mirrors)?

Why necessarily 20 years? Your repayment rate isn't that bad, you could manage significantly more based on your income. Why such a need for security? I would go for 10 years (because 5 years is hardly any cheaper).

Yes, somehow this thread has taken on a life of its own. Starting with our financial situation, through tax optimization with company cars, up to wood-burning stoves and the income situation of Germans :cool: That's life :p

The Commerzbank offer with 1.0% is currently top. The building savings construct has a similar interest rate (in comparison) - a touch better, fixed interest until the end, but (higher) installment amount prescribed.

I think I couldn’t dare 10 years, my husband definitely not. 15 years would still be okay. Certainly, a (hopefully) good financial time lies ahead for us, but with a high remaining debt / short term, I would always have the feeling that I have to put money into special repayments. But we prefer to live, maybe there will be a second child, a longer break / trip, at a certain age / income maybe we will both go part-time. I don't know. We also don’t want to increase the installment further. Child, house construction, for us everything comes at the same time. It’s certainly ‘only’ two or three years in which a lower installment would be better. Afterwards, around 3k would surely be possible (theoretically anyway :p). But I don’t want to stress myself financially in such an important and hopefully also beautiful and exciting initial phase. You know what I mean?

After the hot tip for the HVB, contacted them directly. Got to their 'extended workbench' Planethome. But these are independent brokers. - HVB for 20 years at 1.3% o_O - Commerzbank with him for 20 years at 0.9% ;) I don't understand it. For example, he used the KFW subsidy as equity (deferred, i.e. to be applied after house construction). With direct contact to Commerzbank, we were explicitly told that the KFW funds are not recognized as (deferred) equity. He is checking everything again now and will get back to us. Basically, he also confirmed that Commerzbank allows the use of debt BEFORE the equity. I'm curious :cool: If the above conditions remain, we would lock it in for 20 years and that’s that!