Subsequent change of the lending value - What happens?

Nordanney, did you mean this user here by TE?

Good thing that I care about added value for the TE or the TEs and not about you. Unfortunately, I had to ramble so that your false and obscure statements regarding the loan-to-value ratio to be determined don’t remain so obviously wrong. At the same time, I am very happy to confirm that you said everything that needed to be said about it in #6, making your later contribution all the more astonishing! I don’t find it very good when another expert becomes a user here, reads this, and has to realize that it wasn’t corrected.

I even believe you, but that says nothing about the quality, and if you proclaim something wrong and unhelpful for the TE here, you can expect me to correct it in the interest of everyone.

Regarding useful things, you can also expect quite a bit, and I am always happy from time to time to create and post a concept with realistic and project-adapted conditions as support for the TE/the TEs. I just ask you for a little patience, it will work out.

Good thing that I care about added value for the OP or the OPs and not about you. Unfortunately, I had to ramble so that your false and obscure statements regarding the loan-to-value ratio to be determined do not remain so wrong.

when you proclaim something false and unhelpful for the OP here

....In ALL banks, the lending value is a constant figure..... Sorry, you're scaring me, if that were the case, then all banks would arrive at the same value, but that's by no means the case! Tell me, countless points are decisive for determining the lending value, what are you talking about? The bank has to determine a lending value at the beginning and it does so based on the information provided, and of course it is important what costs arise, whether own work is performed, what technical data the house has, etc.

Afterwards, exactly one thing happens: Namely nothing! Neither positive nor negative for you.

We are a real bank - but also refinancing partners of several hundred different banks. In ALL banks, the loan-to-value ratio is a constant figure, because it is sustainable and must not change within a range of a few thousand euros in costs (which only becomes apparent at the end of the construction project). If the customer has to build more expensively due to price increases, this does not change the loan-to-value ratio. Do you have any knowledge of the BelWertV? These are not our customs, but generally valid customs, since one cannot and must not simply disregard legal requirements.

@Noelmaxim ... with your post 51 you just managed to pull it off.

for your part use a little less marketing words.