Refinance existing loans with a construction loan

There is also a questionnaire for this. You may not have to answer all the points, but overall it already provides significantly more clarity.

Edit:

Exactly. What is planned, what is available. How high is the debt? What comes in, what goes out. Then we can talk. Only revealing fragments and demanding respect from others does not help.

The refinancing of loans is actually not supposed to be a problem since the bank earns money from it.

After banks in the past paid a bit too much attention to their earnings and disregarded the risk, they can/may no longer do everything just because it brings in money. In the case of real estate financing, it is quite clearly stipulated that every cent lent must also be secured (in the eyes of the bank). Otherwise, banks would have to approve all loan requests positively, because as we know, the bank always wins.

I have a small problem with the information provided so far. It says good collateralization and green light, etc.

On the other hand, the rejection of the debt restructuring overturns your concept, and you absolutely want the kitchen to be financed.

Based on the information so far, I fear that your entire project is on shaky ground if such "minor details" already cause problems.

If I were you, I would approach one of the better-known brokers like Interhyp or similar again. It is possible that banks have already been burned by the preliminary inquiries; I was told that ING, for example, does not accept the property again after a rejected official inquiry. But I cannot judge whether that is true.

Oh, if I may add a remark to that: What distinguishes a good advisor from a bad one in times of Starpool, ProHyp, and the like is not the overview of the best offers but the understanding to present the individual situation of the applicant in such a structured way that the bank, with all its (uniform) decision criteria, ultimately gives the green light. This primarily requires the advisor to know how the banks operate and to take the time to understand the applicant's situation.

Based on the information so far, I fear that your entire project stands on shaky ground if such "minor details" are already causing problems.

I would be optimistic at first, but if the advisor has no plan, then there is simply a "red card." That happened to me back then as well, even though my situation was really good. The right bank must be chosen and the right way to squeeze the existing situation into the application form corset.