Refinance existing loans with a construction loan

Another consultant. We had him before. But he then said that the bank policies had changed as of the first of June and that we can no longer finance like this. There is only one possibility via DSL with a loan amount x. The rest then via DSL private loan with 6.5% over 10 years. But since this is not enough for the bank because it goes beyond retirement, they want a savings balance of about 40,000 to be proven. He would then transfer this amount to my overnight money account to prove it and then I pay him back. Do I still have to say anything about this? I don't think so..... It's also funny that DSL appears in both my and my wife's SCHUFA with a real estate conditions inquiry. But we never signed anything. Since then I actually thought it couldn't get any worse....

DSL finances everyone and everything. If you don't get financing there, I would start to worry

I only bought the plot in 2012 because it only cost 40k.

It is valued by the bank at 155k

Um, did you read through the entire text calmly? I don't think so

Here is immediately the next inconsistency. Who sells a piece of land for a quarter of its value? Could you explain the difference to us?