Property already financed - is another bank possible for house construction?

Just a question... ING has its interest rates very transparently available online. Also for all other loans. It is also not credit-score dependent there, at least there is no indication of that. They may not be the cheapest, but you know what to expect.
(I think that’s a big advantage; what good is it if it says: interest rates from ... and when it gets concrete, they want double or triple the rate from me?)

Can you "negotiate" this in the mortgage financing there? Or is the offer exactly what is listed online, for a given amount and equity? I mean, you can be glad... surely there are plenty of other banks that would be rubbing their hands because you are tied to them, offering much worse rates because they really handle it individually.
Of course, the approx. 0.3% interest difference you mention is initially also 70€ a month at your amount. Why should you waste that, that’s clear. But you don’t have that interest rate in your pocket yet – just because it was named during the consultation.

ING is one of the most, if not the most standardized companies in this field. You can have the conditions calculated by an advisor and then they also apply. There is no direct contact with ING and no possibility to renegotiate. In the further process, you will be assessed by their system whether you fit within the framework or not. Currently, a rejection follows even with only a slight deviation. Since Corona, ING has significantly reduced its internal discretion in the evaluation here. You also receive no information why and have no possibility to change that. A new application is only possible after 6 months. ING is increasingly focusing on the "standard business".

I don’t really wish ING much (they annoyed me quite a bit). But in this case, I would just move on.
If the computer says you get it like this, then quickly accept before it changes its mind.

Unfortunately, that is not the case. If the computer (in this case the Europace2 system) gives a "green," that is unfortunately not yet a commitment. It means you are roughly within the framework ING can imagine. After submitting the documents, a detailed check takes place, which can take about 20 working days depending on the loan volume. Despite the green light, a rejection can still occur here.

I wrote this in my linked thread: we had a "green" from the financial advisor and he also said that with our constellation it was absolutely not a problem. After 20 days, ING then rejected – of course without explanation.

Yes, I also meant the second green. That is exactly the experience I had as well. That's why I am no longer very fond of ING. This whole delay almost cost me the award of the property and has now pushed me into a suboptimal financing. But oh well.

That you can read, I did not doubt. However, your understanding, to comprehend what you have read, I do doubt. You have just proven that to me again with this post.

Well, it’s clear to me that you are reacting so stubbornly now. After all, it’s about your money. I still maintain: your own fault, and the bank is acting fairly and legitimately.

I wouldn’t let you out either. In general, you won’t experience any bank releasing someone in such a constellation. You’re even lucky that ING does not charge an interest surcharge for the subordination.

Absolutely fair

What reason should I give to get the termination approved? We would get the financing for the house anyway.

You have to talk to the bank. Friends had a similar situation; it was basically no problem (apart from the annoying prepayment penalty). For the bank, it is a win-win situation if they are not speculating on a payment default.

No chance with ING. I had tried, even pointing out incorrect cancellation policies. They flatly refused. I didn't have time for legal disputes, so I solved it differently, but it cost me a more attractive financing.

Hi, so for us it was yellow (ING) at first, with other banks it was green. We chose ING - the interest rate differences were minimal - but we have had good experiences with ING so far. Our main checking account is also with them. Why it was yellow? No idea, they ended up financing at 0.6%. So all good. :) Regards Olli