We often get into conversations with people who are referred by existing clients because they have an "impossible" wish. Financing while retaining assets, or buying without a demonstrably sufficient income. It often turns out that these impossible cases are achievable after all. How is that possible?
It would be going too far to list all the possible reasons, but a few peculiarities can be mentioned. Despite the fact that there are strict rules for financing (there is a special code of conduct), there are also possibilities for so-called "explain" matters. Explain in this case means that a deviation from the rules is possible if we can substantiate that the choice is sensible and responsible. Of course, the risks are taken into account, but also the payment history and future prospects.
We do relatively more of these financings and not without reason; our advisors are certified financial planners or have had a similar training. With this knowledge, they are better able to assess the consequences of a particular solution. We also serve a target group that is more entrepreneurial or wealthy than average, we regularly present well-founded constructions, and there are other characteristics.
All these factors ensure that the "explain" rule can be applied and is viewed positively when we present a case to a bank.
