Important question?
Hello,
And it is about the following.
We want to buy an apartment and have applied for it.
Everything went well, we have equity worth €25,000 in gold.
I received all of this as a wedding present.
Well, the bank wanted to see proof; they had a note from the jeweler showing that he had added everything up, complete with a stamp. That wasn't enough for them; they wanted to see the money in the account.
Well, we didn't want to break the gold right away because the value was a bit low at that moment.
We then borrowed it from a family member so that we could prove it on our account statement.
Now they're asking us where we got the money from, ohh so stressful.
They want a receipt this time, so the bank itself now.
We explained everything to them, then a guy at the bank said, yes, when you exchange your gold for money, have everything documented with a piece of paper and bring it to us.
The jeweler says we don't do that because otherwise they have to pay money to the tax office, so strange just everything
What should we do now?
I mean, my husband has been working for years, so it could be our savings, but the bank is really insisting that we provide proof of the money by February 5th.
Since when has this been the case? I mean, this is simply our equity for the loan we are getting in February.
Thank you in advance
(1 votes)
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I don’t have the feeling you know what equity means. It’s not a security you just have to show. Equity should cover part of the costs and thus reduce the amount of credit, i.e. it must be available to be issued for the purchase.
And you mean that changes in a few days to weeks? You do not want the credit and housing purchase now in a few months or years if the gold course is possibly better.
Of course they do that, is cash intake over 10K theme money laundering. If you want to pay in cash and have not received proof, the origin is unclear.
That’s not funny. The Jeweler has to stick to the rules of the game that apply in D. And he doesn’t have to enter into a business he doesn’t want to enter.
Bring your order in. Sell gold, sell money from it to the account and see how you get the crap settled with the money laundering.
NAchtrag: Instead of X Jewelers looking for gold purchase.
the pay only by weight, jewelry is significantly more value
Then search the jewelier who has bought explicitly in the offer.
You want to spend the money/gold anyway. So sell it and show your account balance.
If the gold price is not right now, your purchase does not work.
Banks must provide evidence of cash inflows. You could have gotten it in case of robbery or drug business.
Your Jeweler is unusable. He must pay taxes; but he doesn’t want that, and so he tries to pull you over the table with black shops.
The gifted gold from the wedding is simply objects, you have neither purchases nor there is evidence that this is in your possession. If you don’t want to sell this, it’s just metal.
Also borrowed money is no equity, that would be at most a relative loan
What is the cost of the apartment?
€25,000 is not just a lot of equity.
You’ll have to sell the gold to get a copy of the money.
190,000 costs the apartment, yes the problem we want to sell the gold to get a document, but it doesn’t want to give us proof. Were already at 3 different..
Even €25,000 are not enough for you to buy the apartment. Didn’t that tell you the bank? You better ask before you sell the gold for free.
But clearly, so we only pay the purchase costs with our equity.
We take the rest from the bank. Also good the monthly rate is enough.