How is that supposed to work (for the owners)? If they want to claim the Baukindergeld, they must not be owners of another property at the time of signing the purchase contract. However, with almost absolute certainty, they still are on 06.05. Because in Germany, the owner is the one listed in the land register. And it will probably take at least 2 months until they are removed from there. The payment deadline for the buyer alone is 6 to 8 weeks, and the land register transfer only takes place afterward.
What does that matter to the buyer, or to Danny87? Possibly the sellers have no children or no entitlement to the Baukindergeld. One should rather assume that the seller knows what he is doing, but for the buyer that can or should be totally irrelevant, especially since he has completely different problems.
Danny87 has a commitment with the letter from the Postbank, i.e. she can calmly go to the notary appointment and then calmly have her best financing plan put together. The document from Postbank is her security; she does not have to accept the offer if there are better ones, and these – I have already provided them elsewhere – do exist.
Regarding this, it will be the daughter of Postbank – the DSL Bank – which is quickly verified there. Only the Schufa and the property are always the unknown factors. The Schufa is quickly clarified in the scoring system, and I do not see the property as a problem given the high equity contribution.
Danny87 should only be concerned about the IB SH loan regarding the notary appointment, but that can also be quickly checked. She should rather worry about accepting the previous offer, because that is definitely – no matter which model she chooses – too expensive.