What financing is available for cultivation?

Dr. Klein is always recommended. It may be due to the franchisee, but at least they are independent and free of charge for the borrower. They would take care of everything, almost everything, meaning they will calculate and tell you what needs to be done and also suggest the better (better does not always mean the best) product. Basically, you are not a problem and don’t have any. You just should get to it now.

Or to Interhyp or or or

But since you say nothing at all about the financial situation and or the value of the house and so on, you cannot get any advice here now.

Put all the numbers on the table

Ok then here are the numbers. Net household income 6700 euros. Apart from the "normal" expenses (insurance, streaming, mobile phone, living costs) only the installment of 687 (at 2.6% and 5% repayment) euros for the house. The house value was estimated at 250,000. It is a small house in an affordable area (land value 50 euros per square meter), hence also 1400 sqm of land. The house is very small (currently 80 sqm living space), hence the desire for expansion. It is intended to serve as the main residence for my wife and me in a few years and therefore the desire for a little more space. The other house, currently the main residence, has already been transferred to our offspring. As I said, I am only interested as a layperson in finding hopefully the best financing option. Preferably in one loan, but maybe it doesn't make sense to refinance with the current conditions or there is some other reason against it. I hope this information is sufficient...

Ok, here are the numbers. Net household income 6700 euros. Apart from the "normal" expenses (insurance, streaming, mobile phone, living costs), only the installment of 687 euros (at 2.6% and 5% repayment) for the house. The house value was estimated at 250,000. It is a small house in an inexpensive area (standard land price 50 euros per square meter), hence also 1400 sqm of land. The house is very small (currently 80 sqm living space), hence also the desire to enlarge. It should serve as the main residence for my wife and me in a few years and therefore the wish for a little more space. The other house, current main residence, has already been transferred to our offspring. As I said, I am only concerned as a layman to find hopefully the best way of financing. Preferably in one loan, but maybe it makes no sense to restructure at the current conditions or there is some other objection against it. I hope this information is sufficient...

Then there should be three ways:

1. Subordinate financing at ING. Could even become a secured loan condition.
2. Subordinate financing at any other bank. Also possibly secured loan conditions.
3. Redemption (almost free of charge) and then look for a new bank. Major drawback: You give up the good interest rate you still have.

In your situation, any construction financing advisor - whether at a bank or a broker (I would prefer: Dr. Klein or Interhyp (Interhyp is by the way ING)) can make you a great offer.

Thank you very much. I will then make an inquiry and report on how it turned out.