The bank will photograph the house from the inside

300 KM travel? For photos? I can hardly believe it...... Such a thing cannot be and I have never heard of it in my professional practice. Since I don't think your loan commitment is suspicious, you can only have "bad luck" and have ended up in an internal audit or review.

Have you objected to the sale of your mortgage loan or is the sale of the claim explicitly excluded in the loan agreement? If not, it could be that the bank possibly bundles claims and sells them to third parties. That might also explain the photos! In the past, photos were totally unusual in such cases..... but after Lehman, it is different now. And due to low interest rates and renewed increased risk appetite, securitization and sale of mortgage claims is becoming popular again.

I am concerned about the violation of privacy, which is even guaranteed to me in the Basic Law. And I assume that Article 13 GG (Inviolability of the home) is not being bypassed here because there is imminent danger.

Article 13 is not bypassed here, as you have probably already agreed in writing to the entry of the home with the contract. In addition, you still have the option to deny the representative access on site. They cannot demand anything (because of the Basic Law). However, this may then affect your contractual relationship.

These pictures, or possibly personal belongings, do not interest a deceased person. The appraiser takes the pictures solely for the purpose of documenting the facts observed with their own eyes for the collateral file.

And after the appraisal has been created, maybe a second person looks at it, and perhaps by chance a credit auditor. And even if credit advisors and caseworkers could view the file (I don't want to rule that out), none of them is interested in your wedding photo or the SM studio in the basement. That is solely your business.

Believe me, there is nothing more boring than these pictures, unless the object is actually a commercial property for horizontal offers. Almost every appraiser has probably seen such a thing before. Not to mention the other 200 properties visited in a year. After 6 weeks, no one remembers a picture, a name, or the connection between the two.

Hello Der Da,

However, he announced that he also wants to take photos of the interiors.

Here it starts. As a data protection officer, I am strongly against this. Sure, during the shell construction phase he could have printed a photo album, I would not have cared, but now, after pictures and photos are hanging on the walls and we have our private things on the shelves, I do not want any pictures of this stored in some bank archive systems.
Moreover, I cannot see the added value here.

If he finds damages, he should be allowed to take photos, I can understand that... but he will not find any.

That's why my question: is he allowed to do that? Even if it might be regulated in the loan contract? Doesn't such a clause violate my right to privacy?

I think you are "operationally blind."

I have not heard from any of our builders that their home furnishings were collected when the photos were taken a bit later. And honestly - what exactly do you fear could happen because your couch or your hi-fi system is someday "dug up" from the bank archives by some evil spirit?

My experience is that these photos are taken and then put away forever... as long as the loan is being serviced. Besides, the ladies and gentlemen examiners also respond to borrowers' requests not to photograph this or that. In my opinion, you are worrying about chickens before they hatch. Besides, I am pretty sure that when you signed the loan agreement you gave your bank the irrevocable permission.

(Well, since the NSA we know that we have none, and the GROKO also does everything so that we will have none anymore)

Now you surprise me... You don’t seriously believe that this process was only set in motion by the NSA, do you? Or that they alone are the bad guys?

When I read what is written in forums, social networks, etc., you don’t need the concentrated competence of the Americans; the communicativeness of the members practically promotes the misuse.

Rhenish greetings

I like to be prepared and to know my options.

I don’t really fear anything in the true sense, but it doesn’t feel good when strangers wander around in my private spaces. For this reason, we also did not agree to house viewings after we moved in. Even though it would have financially benefited us.

As I have written several times, I see absolutely no benefit for the bankers... and since I am in favor of avoiding all unnecessary data collection, I am simply against these photos.

Well, I looked at the contract, and as feared, I will probably have to allow it. Although I will certainly be strict if it becomes too private for me.

Hello there,

I can well understand your argument; I wouldn’t be thrilled either if a complete stranger wandered through my house taking pictures after moving in.

Just make sure you’re there on the appointment and clearly tell the banker if you don’t want him to take any photos.

There are also people working at BW-Bank with whom you can (usually) have a reasonable conversation – for example, one meets me every morning in the bathroom mirror...

Joking aside, the pictures will end up in a loan file, and except for the person handling the case, no one else will see them (in the normal course of the loan). The very diligent data protectors at the bank make sure of that.

Regards,

Dirk