Hello everyone,
My girlfriend and I went to the bank yesterday to get an offer for a construction loan. The banker noticed that the interest rate would be better if we had a shared previous residence.
In the end, my girlfriend is supposed to register her address with me first.
That seemed quite strange to me and, if it’s not absolutely necessary, it feels like unnecessary extra effort.
Is it possible that this really affects the interest rate? 😎
Best regards, Oscar123
My girlfriend and I went to the bank yesterday to get an offer for a construction loan. The banker noticed that the interest rate would be better if we had a shared previous residence.
In the end, my girlfriend is supposed to register her address with me first.
That seemed quite strange to me and, if it’s not absolutely necessary, it feels like unnecessary extra effort.
Is it possible that this really affects the interest rate? 😎
Best regards, Oscar123
T
toxicmolotof19 Aug 2016 12:10I'm almost surprised by nothing anymore, but this is complete nonsense. Either the fact that it has an effect or the request to do this nonsense. By doing so, the "advisor/salesperson" is manipulating their own evaluation process.
What kind of difference are we even talking about here?
I would check her out carefully. That sounds more like a real estate agent than a bank.
What kind of difference are we even talking about here?
I would check her out carefully. That sounds more like a real estate agent than a bank.
Whether the factor you mentioned is included in this bank’s scoring process can probably only be answered by a handful of people within the bank who are familiar with the score in detail.
Is it possible? Yes.
If this criterion is indeed part of the score, the score developers say it will "separate," meaning it will make a valid difference in the score. In that case, the bank advisor should of course not suggest a way to circumvent it. Based on this advisory "service," at least I would dismiss this advisor. Whether to reject the entire bank is up to you.
Is it possible? Yes.
If this criterion is indeed part of the score, the score developers say it will "separate," meaning it will make a valid difference in the score. In that case, the bank advisor should of course not suggest a way to circumvent it. Based on this advisory "service," at least I would dismiss this advisor. Whether to reject the entire bank is up to you.
H
HilfeHilfe19 Aug 2016 12:38I agree with toxi. The "advisor" is treading on thin ice. Yes, you can give advice like suggesting to increase equity so the interest rate improves, but not fundamental things like "Get employed on a 450 € (approximately 470 USD) basis quickly" or "Just change your registration fast."
In this case, I would look for a different broker.
In this case, I would look for a different broker.
B
Bieber081522 Aug 2016 20:52It may be that the "consultant" (who is more of a salesperson) acted improperly towards her employer. However, I do not see any damage caused to the potential customer, so I would not turn my back on her for that reason. Nevertheless, it is advisable to obtain comparative quotes.
Similar topics