What significance do standard land values have?

That means, conversely, that with property (paid for with equity) one is generally worse off than if one can still show the planned investment in cash.

Nope, still not

Nope, still not

Sure thing

100,000 euros in the account are and remain 100,000 euros



Because as a buyer you usually acquire land and soil based on the BRW.

Sure

100,000 euros in the account are and remain 100,000 euros



Because as a buyer you usually acquire land and ground according to the BRW.

Then you buy (from the equity you showed to the bank) a plot of land which is "only" worth €80k according to the standard land value and the bank already values your spent €100k as €80k with €20k vanishing into thin air. So you could just contribute the plot directly.

Don’t be so resistant to advice, especially when you get posts from real estate bankers who do nothing else.

Then you buy (from the equity you showed to the bank) a plot of land that is "only" worth €80k according to the standard land value, and the bank already values your spent €100k at €80k and €20k vanish into thin air. So you can also directly contribute the land.

Would the bank, in this case, reconsider the previously agreed financing and reassess it? In that case, raise the previously agreed interest rate?

Don't be so resistant to advice, especially when you get posts from real estate bankers who do nothing else

I just want to understand. Maybe we are also talking past each other.

The financing only works with a known property.

The bank knows the property to be financed and therefore also the value it assigns to the property. The price you pay for it does not matter to the bank.

Therefore a) you contribute the property as equity with a value X specified by the bank or b) you may have to provide more equity than the property is worth to the bank.

Therefore it does not matter for the financing.

I simply do not understand your problem, however I am not willing to explain it again. Just read the posts calmly once.