Refinance existing loans with a construction loan

No, your numbers are opaque. And for a hefty surcharge, they will do anything

The guy wanted to fool us and collect maximum commission! And it's fraud too! And he fired off sharply without having a signature!

There is no problem, I just find it unusual. But it is a very comfortable situation. Everything was done right at that point.

On the other hand, my savings bank advisor once said that only the first - in a specific case about 525m2 or so - can be valued at the full standard land value, as the rear part is not buildable. It would be different if you could put two houses on the area. As in your case actually.

But here we are drifting again into process details of individual banks. No idea if that helps further. But the bottom line is: area * standard land value does not always add up.

The guy wanted to fool us and collect maximum commission! And it's fraud too! And he fired sharply without having a signature!

Well well well, it was all an offer

Problem is none, I just find it unusual. But it’s a very comfortable situation. Everything was done right at that point. On the other hand, my savings bank advisor once said that only the first - in a specific case 525m2 or so - can be assessed at full standard land value, because the rear part is not buildable. It would be different if you could put two houses on the area. As is actually the case with you. But here we drift again into process details of individual banks. No idea if that helps further. But the bottom line is: area * standard land value doesn’t always add up.

If springnutter or whatever it’s called calculates it like that with 155000 then that’s how it is. I don’t do it.

Na na na, it was all an offer

We should come over immediately and sign this offer.
However, we did not sign beforehand that he is allowed to advise us and that he may pass on data, etc. If DSL finds out that he acted without authorization, it could become serious for him.

Here is the next inconsistency right away. Who sells a property for a quarter of the value? Would you like to explain the difference to us?

Price increases in recent years - a good example of the explosion and inflation of the situation in the real estate sector. Without the purchase back then, we wouldn’t even need to discuss the OP anymore, as such construction would be completely impossible for their income bracket at that age.