Wie läuft ein Immobilienkredit bei Direktbanken ab? Wird da auch verhandelt? Geht das übers Telefon? Zudem man muss ja auch zum Notar und die Verträge unterschreiben? Kommt da einer von der Bank der ein paar hundert Kilometer weit weg ist?
(3 votes)
Loading...Wie viel Fleisch 🥩 🥩 🥩 🥩 🥩?
Als ich mir letztens etwas zu essen gekauft habe und mit der Karte bezahlt habe, habe ich festgestellt dass das Geld nicht abgebucht wurde. Bei der App steht nur der Betrag als vorgemerkt. Was wäre wenn ich das Geld dass ich auf der Karte noch habe abhebe und ich dementsprechend kein Geld auf der Karte…
Sorry, blutiger Anfänger. Ich habe vor zwei Jahren eine UG gegründet. Die aber 2023 die Geschäfte eingestellt hat und ich hab es einfach so liegen lassen. Aber nun geht es um die endgültige Schließung. Grundsätzlich wäre ja ein Anruf beim Notar notwendig mit einer langwierigen Liquidation und Sperrzeit etc. Aber ich würde die Vorraussetzungen für…
Mit welchem Job wird man reich und was für eine Ausbildung braucht man?
Ich bin 13 und möchte mir diesen pc kaufen: https://www.amazon.de/SYSTEMTREFF%C2%AE-8×4-7GHz-GeForce-Computer-Streamer/dp/B0C4V1K98H/ref=mp_s_a_1_4?crid=2GRFXH574PHX7&keywords=systemtraff+pc+rtx+3060+wei%C3%9F&qid=1689503600&sprefix=systemtraff+pc+rtx+3060+wei%C3%9F%2Caps%2C107&sr=8-4 Ich habe aber kein geld, habt ihr ideen wie ich schnell an geld komme
The conclusion of the loan agreement with the bank does not need a notary. The registration of the basic debt also makes the notary simply with the data of the form, which was then sent to you by post and not handed over.
The documents on house, income and wealth can be transmitted digitally without any problems. I do not see what human contact would be necessary in the context of financing. For our financing, we had direct banks in the decision-making room for comparison. Personally we had to meet no one of them.
No one came from my bank in the place;) you get a promise that it was all the other power of the notary with the land register.
A basic debt is entered in the bank.
I can recommend you to search Interhyp.de
More common as direct banks on the Internet are brokers on the Internet.
The advice will then be sent by phone and via Internet. And the documents will be sent by mail or via Internet. How it should be different.
Commission
For a real estate loan, the object must be tested and, of course, the credit assessment is carried out. How this should happen online would be sneaky
The documents can be uploaded easily. The property is actually visited at the on-site banks, even when financing is necessary the bank is not convinced of its value.
Very many financings are simply confirmed after paper.
and direct banks can also not make a visit on site.
My uncle said at his house sale to the neighbor, their bank wanted to see the house.
Of course you can check the credits online: https://bonitaetspruefung.net/#bonitat-online-prufen-lassen
The object is usually not checked on site, but on the basis of the exhibit. Important for the bank or lender is primarily only the situation. The bank just wants to know the exact address. It will then be checked by means of the residential maps and internal databases, which costs the square meter price in this street (even road sections verifiable). As the substance of the property is, it is only roughly checked by the Exposé. The situation, the equity and, of course, the positive creditworthiness of the buyer is much more important. This allows the bank to evaluate its risk.
This has been explained to me by a large comparison portal (which I do not want to call for advertising) on the phone. It was also surprising to me that the address of the object is much more important than building substance and condition of the object.
If the direct bank is required, local real estate experts may also at a distance. If there is just more risky pleasure in the business, you will probably solve it. If the risk is to be avoided, the direct bank will simply say no in the case of more critical financing. Since they can find farther away customers, it is easier to lean down customers.