Property available - finance basic inventory?

: May I ask which bank it was - I don't like this extremely meticulous verification of fund usage and that was a selection criterion of the bank for us.

Volksbank - a regional branch

Thanks for the info - especially there I would have expected something different.

Volksbank - a regional branch

It is similar for me. The Sparkasse has topped all offers. Although always only after insistence, but the bank is just around the corner. They are also very accommodating when it comes to payment. Except for the kitchen, they do not require proof (invoice) for the furniture.

Stefan, we feel similarly, that we simply want to keep an overview and prefer to pay off one large loan at a bank rather than many small ones. Personally, I see the 0% financing the same way as HilfeHilfe. In the end, we just can't avoid sprucing up our previous student household with a few pieces of furniture. The rest will take care of itself over the years

I can fully understand that! Such "small" installment loans are more annoying than 1-2 withdrawals for a mortgage.

Sorry, but anyone who really thinks that they lose track because of 1-3 other installment loans should reconsider building a house – those are far-fetched arguments that make no business sense.

But I rather feel that the OP just wants to hear confirmation of their approach here... too bad, it was meant kindly.

you’re talking nonsense. The OPs bring in a lot of equity here and want to furnish anew and not with used furniture, worn-out junk, or even better, from the bulky waste collection. He only has the problem that the equity went into the land, which is a completely normal problem. Happens quite often. The only disadvantage remains the conditions due to a worse loan-to-value ratio and the flat-rate payout.

So I can understand that with new furniture. I’m building a hut here worth more than 350k and living with hoarded furniture

*YAY*

Stay calm and read properly - I never said that you should live with junk furniture or not buy new furniture.

I'll repeat myself gladly: It simply doesn't make financial sense to carry something like that in a mortgage for 20-30 years, and the vast majority of banks don't allow it for a reason. And your only disadvantage is quite big...

And sure, the withdrawals are really annoying - oh man.

But go ahead and keep lashing out...