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jgobond
2 years ago

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

hilflos99
2 years ago
Reply to  jgobond

the bank is not registered as owner

Monitorsuche
2 years ago

With a property, the bank always has a security – the building. You can’t repay your loan? The house belongs to the bank and finished. The house always has a value. Especially when real estate prices are almost always rising… the bank is going out here or so with profit.

At an ETF? The value changes permanently. Tomorrow the value can be halved or even fall to 0. There are no secure long-term forecasts and for a short time it is even more complex. If you can’t pay your loan anymore, then what? You can sell with loss, but even then the bank doesn’t have all its money back.

lesterb42
2 years ago
Reply to  Monitorsuche

The bank’s going out here like that or something with profit.

There have been other times.

christl10
2 years ago

If it is possible, only that securities cannot be borrowed so high.

lesterb42
2 years ago

, although both are similarly risky asset classes?

Scissors

lesterb42
2 years ago
Reply to  musicquestio

Real estate is not “a market”. The developments are very different regionally. This is already heterogeneous within this plant class. That then still wants to settle with another class completely absurd.

Diagenal
2 years ago

You can.

blankeMaja
2 years ago

Your assumption is wrong.

Havenari
2 years ago
Reply to  musicquestio

The one:

“but not for ETF”