Sorry, Mattheu, I completely overlooked this here. I wanted to say that banks are generally required to look very closely (probably more closely than currently^^). Whether it's the house bank or the KFW, I don't know, but one of the two will have to do it concerning the 130k.
It would be interesting to hear more details from a banker (e.g. ). The guys should have dealt with this in the meantime. I read an article about this a few days ago, in which the author predicted a bleak future for customers without a "Prolongationsvereinbarung" (i.e. a guarantee to definitely offer follow-up financing) and with a "tight" financing, as they supposedly would no longer be allowed to obtain (follow-up) financing under the new rules.
