Terms of Service (Allgemeine Geschäftsbedingungen)
Terms Overview: These general terms and conditions govern the digital use of german-mortgage.de and the professional independent residential real estate brokerage services rendered by Vinzenz Weidner, licensed mortgage credit intermediary under §34i Abs. 1 GewO.
1. Scope of Independent Brokerage Advisory
German Mortgage acts exclusively as an impartial independent financial intermediary connecting residential property buyers in Germany with licensed financial banking institutions. Our consulting, calculation modeling, and underwriting placement services are 100% free of charge for prospective borrowers. Institutional commission is disbursed directly by the financing bank upon successful binding loan realization and disbursement.
2. Calculation Limitations & Underwriting Authority
All digital mortgage calculators, interest rate estimations, and monthly payment projections displayed on german-mortgage.de serve illustrative and educational purposes. Definitive mortgage interest rates (Sollzins and Effektivzins), loan-to-value allocations, and credit approval reside entirely at the independent legal discretion of the executing German lending bank following verified financial underwriting.
3. Borrower Duty of Truth & Completeness
Clients seeking formal bank pre-approvals (Finanzierungsbestätigung) or binding mortgage commitments undertake to supply completely factual, unmanipulated, and timely documentation regarding household income, debts, and equity (Eigenkapital).
4. Applicable Law & Place of Jurisdiction
All contracts and digital interactions are governed by the empirical law of the Federal Republic of Germany. To the extent legally permitted, sole commercial place of jurisdiction is Berlin, Germany.