Warum kann man für Immobilien kredit aufnehmen aber nicht für ETF, obwohl beides ähnlich riskante Anlageklassen sind?

in fact a really good question.

has different reasons.

In the case of a house purchase, the bank is registered as its own. The borrower (KN) cannot simply sell the house. It’s a lot worse when buying a car and from the risk.

For ETF, the banks simply do not have a procedure, or it looks different, because it is already indirect. Many brokers, and banks are mostly also brokers, offer a securities loan. That means you don’t get a loan to buy securities, but you buy first and then deposit them as collateral for a non-purpose loan. So you can also buy shares and still drive on holiday.

Whether it’s so smart is another question