Property available - finance basic inventory?

I agree completely with Bauherren2014. Since there is enough leeway in the form of the property, I would finance it as financially sensible as possible (through a home loan or a 0% consumer loan) instead of the OP. What I personally would not do is bring second-hand furniture into the house that I would then replace after 2 years. Even that small amount of money would be too precious to me for that.

If you take the whole thing further, then every house builder/buyer would have to include the money they planned for furniture in the financing and instead aim for a 0% financing at the furniture store.

If that were possible. If it's about 3000 for a bed, nobody talks about it. But if I furnish the house new for 50,000, I would definitely consider where I pay the least interest. The question is probably more whether you get an additional loan from the furniture store or their credit bank if the house loan is already running with another bank. I don't think so.

So I don't quite understand this now.... you tell me that you are stupid if you don't get your inventory through a 0% financing at the furniture store. And now, that it doesn't work anyway? That makes the whole discussion you started pointless? Or am I completely wrong now?

Try to see if you can get 20,000 for 0% and for how long that lasts at most.

Try seeing if you can get 20,000 for 0% and for how long at most.

The furniture stores only facilitate the financing. The lender is often Santander or one of the other usual suspects. They then only look at the Schufa (whether the score fits or not) and roughly at an (internal) debt service calculation. It has to be really tight to not get a consumer loan – then the mortgage financing was already lucky or you really want to burden yourself with a huge payment. P.S. 20,000 EUR for 3-5 years for kitchen financing is available almost everywhere. We did the same since the interest rates on our savings deposits were still significantly higher than 0% a year ago.

I also say that there is a limited offer or not every dealer offers 0%. Musketier seems to be active in the accounting field and knows his way around. However, he also said that the 0% financing is "priced in" one way or another. With many products like cars, it is comparable anyway. With furniture, it becomes relatively difficult to impossible (private labels, kitchen planning, etc.).