Our financing offer

Emotionally, I wouldn't do that at all ....

fully pay off at least €2000-2500 in 15-20 years

If you have the money, you can certainly do that. But we don't have it. Otherwise, we wouldn't need financing either.

then I would look for a cheaper specimen ... or consider further training to increase net income.


e.g.
Basics of the calculation
Loan amount: 210,000.00EUR
Value / purchase price of the property: 270,000.00EUR
Lending value: 77.78%
Nominal interest rate p.a.: 1.25%
Repayment rate p.a. in the first year: 6.18%
Duration of fixed interest rate period: 15 years
Loan term until full repayment: 14 years, 8 months
Calculation result
Monthly loan installment: 1,300.00EUR
- thereof interest (16.83% of the installment): 218.75EUR
- thereof repayment (83.17% of the installment): 1,081.25EUR
At the end of the fixed interest period
Interest (3.23% of the installment): 2.66EUR
Repayment (96.77% of the installment): 1,258.06EUR
Remaining debt: 0.00EUR
Repaid amount: 210,000.00EUR
Total interest payments: 20,058.06EUR



I would not do more .... with 1300€

also consider

Vehicle . Accident Disability
Illness
Offspring
Employer insolvency ...
Bank insolvency
and that over a period of 25 years
.. something is guaranteed

you can sell the place again


I would set the equity capital at 130,000€:

Basics of the calculation
Loan amount: 250,000.00EUR
Value / purchase price of the property: 380,000.00EUR
Lending value: 65.79%
Nominal interest rate p.a.: 1.22%
Repayment rate p.a. in the first year: 6.10%
Duration of fixed interest rate period: 15 years
Loan term until full repayment: 14 years, 11 months
Calculation result
Monthly loan installment: 1,525.00EUR
- thereof interest (16.67% of the installment): 254.17EUR
- thereof repayment (83.33% of the installment): 1,270.83EUR
At the end of the fixed interest period
Interest (57.65% of the installment): 2.20EUR
Repayment (42.35% of the installment): 645.86EUR
Remaining debt: 0.00EUR
Repaid amount: 250,000.00EUR
Total interest payments: 23,620.86EUR



just my opinion

Your opinions are totally, sorry, stupid.

"I would set the equity at 130K€".... sure, I'll just pull the missing 80k out of my a###!!!

Bankruptcy of my employer .... impossible! The one from the woman, very hard to believe! So rather no! (Worldwide market leader)

Just as well you can save the phrase "further training for more net income."

You have an average income ....open your eyes you cannot afford it

Hi, after many days, the answer to our email finally came, in which I asked the broker if he has a current offer with the additional 25,000€. Here is the answer

Dear Mr. H......,

I have calculated some variants and come to the conclusion that a rate of 1,300 EUR is too low to build the financing securely.
If you still receive an offer from a competitor that suits you, you should definitely send it to me for review.

If you have any questions, I am happy to assist.

Best regards

Michael G.....

Hello???? What is going on?

That's how it is ... there are better customers for the bank, they just pick their customers out