Subsequent change of the lending value - What happens?

???? So at the beginning additional costs, so that the remaining debt at the end is 0.3% lower, ok, also a point of view.

Completely wrong, I cannot confirm this statement regarding 90% of banks at all.

Shit, then only idiots like me are working at our bank with about 10-11 billion euros in new business per year. Thanks for the hint.

No, you are definitely not an idiot; rather, you only know the customs of your bank, your employer, and you should - if you want to help independently and based on the market - make this clearer, because these customs, which I would call disclosure criteria, are so different that you cannot know them all - unless you are a financing broker.

Therefore, it does not have to be only the way it is with you, and it read like that; accordingly, I, as an independent broker and former Commerzbank employee, correct it so that the impression does not arise that it is only the way it is with you.

We have not yet drawn on the [FK], as we had around 40% equity and the construction is only now really starting. Now we have the choice to use the remaining equity or first draw on [FK] to reduce the impending commitment interest. It fits perfectly, as we only pay loan interest for two months longer but can significantly reduce the commitment interest.

No, you are not an idiot, definitely not, rather you only know the practices of your bank, your employer and you should - if you want to help independently and based on the market - also make that clear, because these practices, I would call them release criteria, are so different that you simply cannot know them all - unless you are a financing broker.

We are a real bank - but also a refinancing partner of several hundred different banks. In ALL banks, the lending value is a constant figure because it is sustainable and should not change within the range of a few thousand euros in costs (which only becomes clear at the end of the construction project). If the customer has to build more expensively due to price increases, that does not change the lending value. Any knowledge of the BelWertV?

These are not our practices, but generally valid practices, because one cannot and must not simply override legal requirements.