Replacement of installment loans by subordinated loan

Thank you for the feedback, unfortunately as I suspected.

At 7% plus mortgage fees, I would really look for alternatives. For example, how far can I get with 50K instead of 70K and obtain the missing 20K later or by other means.

And the offer is supposed to be good? I still think this is the wrong approach. How bad is the creditworthiness that 7% plus fees (see Fuchur) is good? Ouch.

What!!! 7% ..?? Housing loan from Ing-Diba at 2.99 up to 65k without mortgage registration

What !!! 7% ..?? Housing loan from Ing-Diba at 2.99 up to 65k without land charge registration

I think with ING it's a modernization loan, i.e. purpose-bound? Or do you mean something else?

By now, I believe there are massive creditworthiness problems here. 70k€ in installment loans for consumption/car is not exactly little. Trying to encumber the residential property (too much) for this consumption/car already sounds more like "having to" than "wanting to".

even if I repeat myself, with a 70k€ consumer loan - unsecured mind you - plus almost 100% mortgage financing, there is nothing for 1-3%. What I think is also ignored here is that he bears it completely alone, without a partner. The banks that even do this evaluate it accordingly and that is reflected in the interest rate.