Tips on credit options

  • Erstellt am 2017-06-12 08:19:54

GinTonic

2017-06-15 20:44:42
  • #1
Yes, they are included.

No, I need to ask how the interest looks on the entire structure.

Offer Mr. Buhmann:



 

Nordlys

2017-06-15 21:00:34
  • #2
Only three months without participation interest? Do you want to have debt with a DSL or Hanseatic Bank? A combination of annuity plus a later building society loan can also be arranged for you by your Sparkasse or Volksbank, bet? That just doesn’t feel like mine, not my world. Pretty close to targo Bank. Karsten
 

GinTonic

2017-06-15 21:07:17
  • #3
can you explain the issue with the commitment interest to me?

What do you mean by taking on debt with Hanse or DSL?

The Sparkasse made me such an offer, I have also shown it here, haven’t I?

What do you mean by targo Bank?

Which offer would you take? What would be your world?

Thanks
 

RobsonMKK

2017-06-15 21:09:29
  • #4
Provision interest: if you have not drawn the entire amount within 3 months, you pay interest on it
 

Nordlys

2017-06-15 21:15:10
  • #5
I am half old, conservative with money matters, liberal otherwise, and I only deal with money at my old local bank, the Volksbank. For you, that would be the Sparkasse. You know each other there, everything runs on a call, I have a good feeling being in debt there. That is my world. You can talk about an interest rate and such, provision time means to me that the loan we took out has been available to us since January, only today we have drawn a small partial amount of 17 thousand out of 100. The bank has provided it for free until then, it does that for us for 12 months. Your offer states that after three months the provision costs money, regardless of whether you have used it or not. You will never and never build in three months.
 

GinTonic

2017-06-15 21:23:56
  • #6
For me, the main bank would actually be Volksbank, but I know what you mean. It is not anonymous, you can discuss problems directly at the table and you have the feeling of being in safe hands. Yes, I understand about the interest rate, but we are not building, we are buying. Okay, the renovation of course needs to be organized. Thank you for your honest opinion
 

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