{"id":214,"date":"2026-01-13T21:17:25","date_gmt":"2026-01-13T20:17:25","guid":{"rendered":"https:\/\/wagnerfinanz.immo\/?page_id=214"},"modified":"2026-01-21T13:55:23","modified_gmt":"2026-01-21T12:55:23","slug":"mein-beratungsprozess","status":"publish","type":"page","link":"https:\/\/wagnerfinanz.immo\/en\/mein-beratungsprozess\/","title":{"rendered":"My Advisory Process"},"content":{"rendered":"<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<h2 class=\"wp-block-heading\">My Advisory Process<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">Every financing begins with a clear overview.<br>On this page you will learn how I support you step by step \u2014 from the initial assessment to a successful disbursement.<br>My advisory process is designed to give you orientation, reduce complexity, and make decisions transparent.<br>Below you can see exactly which phases a financing project goes through, which documents are helpful at each stage, and how we work together toward the right solution.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-x-large-font-size\">Step 1<\/h2>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size\">Initial Consultation and Analysis<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13-1024x683.jpg\" alt=\"\" class=\"wp-image-96\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px\" srcset=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13-1024x683.jpg 1024w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13-300x200.jpg 300w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13-768x512.jpg 768w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13-1536x1024.jpg 1536w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-13.jpg 1620w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">In the first step, it\u2019s all about gaining a clear understanding of your situation.<br>We talk about your goals, your plans, and the framework of your financing \u2014 for example, whether you want to buy, build, or restructure your financing.<br>Ziel ist, Ihre Ausgangslage realistisch einzusch\u00e4tzen und die n\u00e4chsten Schritte darauf aufzubauen.<\/p>\n\n\n\n<p class=\"has-medium-font-size\">The aim is to realistically assess your starting point and build the next steps on that foundation.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-custom-quartermary-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"has-medium-font-size\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\"><strong>Helpful documents for this stage include:<\/strong><\/p>\n\n\n\n<ul style=\"margin-right:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\" class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Completed&nbsp;<strong>Self-Disclosure Form<\/strong>&nbsp;(Download below)<\/li>\n\n\n\n<li class=\"has-medium-font-size translation-block\">Your last three payslips<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Year-end payslip<\/strong>&nbsp;from the previous year<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Proof of&nbsp;<strong>equity<\/strong>&nbsp;(e.g., bank statements, building savings contracts)<\/li>\n\n\n\n<li class=\"has-medium-font-size\">If available&nbsp;<strong>property documents or expos\u00e9<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size translation-block\">Tip: Think already before the first meeting about how much equity you plan to contribute. These documents help me understand your financial situation and address your project with clarity and confidence.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/drive.google.com\/uc?export=download&amp;id=1kDovHzUJi2OwEzTHyLrOjS6yoP1CZgoe\" rel=\"https:\/\/drive.google.com\/uc?export=download&amp;id=1kDovHzUJi2OwEzTHyLrOjS6yoP1CZgoe\">Self-Disclosure Form<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/drive.google.com\/uc?export=download&amp;id=1TdBTX0IHmmkSE_0UWG_6elWBTmDqCHwO\">Dokumentencheckliste<\/a><\/div>\n<\/div>\n\n\n\n<div aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4-683x1024.jpg\" alt=\"\" class=\"wp-image-222\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px\" srcset=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4-683x1024.jpg 683w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4-200x300.jpg 200w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4-768x1152.jpg 768w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4-1024x1536.jpg 1024w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-4.jpg 1080w\" sizes=\"auto, (max-width: 683px) 100vw, 683px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-x-large-font-size\">Step 2<\/h2>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size\">Offer Comparison<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">Once all relevant information is available, I begin comparing offers from various banks and financing partners.<br>This step is not just about interest rates \u2014 it also includes terms, flexibility, and conditions that make sense given your life situation.<br>I carefully review the offers, explain the differences in a way that\u2019s easy to understand, and show you which options are truly worthwhile.<\/p>\n\n\n\n<p class=\"has-medium-font-size\">Additional information that helps at this stage:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-custom-quartermary-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<ul style=\"margin-right:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\" class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Angabe zum gew\u00fcnschten&nbsp;<strong>Finanzierungsbetrag<\/strong>&nbsp;und zur&nbsp;<strong>Laufzeit<\/strong><\/li>\n\n\n\n<li class=\"has-medium-font-size\">Falls bereits vorhanden:&nbsp;<strong>bank, notary, or seller<\/strong>&nbsp;as required<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">With these details, I can assess which bank offers the best conditions and which financing structure fits you long term.<br>The result will be a transparent, tailored offer clearly explained.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-x-large-font-size\">Step 3<\/h2>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size\">Application and Processing<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1-1024x683.jpg\" alt=\"\" class=\"wp-image-90\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px\" srcset=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1-1024x683.jpg 1024w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1-300x200.jpg 300w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1-768x512.jpg 768w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1-1536x1024.jpg 1536w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-1.jpg 1620w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">Once you have chosen an offer, I take over the entire application process and coordination with the bank.<br>I prepare all documents thoroughly, ensure that everything is complete, and guide you through the entire process up to the binding financing confirmation.<\/p>\n\n\n\n<p class=\"has-medium-font-size\">The goal is for you to be worry-free and always know exactly where things stand.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-custom-quartermary-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"has-medium-font-size\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\"><strong>This phase includes:<\/strong><\/p>\n\n\n\n<ul style=\"margin-right:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\" class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Preparation and submission of the financing application&nbsp;<strong>Finanzierungsantrags<\/strong><\/li>\n\n\n\n<li class=\"has-medium-font-size\">Coordination with the&nbsp;<strong>bank<\/strong><\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Updates<\/strong>&nbsp;to you at every status change<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Support with any&nbsp;<strong>follow-up inquiries<\/strong>&nbsp;from the bank<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">During processing, I remain your direct point of contact and keep you informed every step of the way.<br>That way your financing proceeds smoothly, transparently, and stress-free \u2014 right up to the bank\u2019s approval.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43-1024x683.jpg\" alt=\"\" class=\"wp-image-239\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px\" srcset=\"https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43-1024x683.jpg 1024w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43-300x200.jpg 300w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43-768x512.jpg 768w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43-1536x1024.jpg 1536w, https:\/\/wagnerfinanz.immo\/wp-content\/uploads\/2025\/12\/WagnerFinanz-43.jpg 1620w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-x-large-font-size\">Step 4<\/h2>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size\">Completion and Disbursement<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">After approval, I continue to support you through the final step of your financing.<br>I check that all documents are complete and that the funds are released smoothly. I stay in close contact with the bank and continue to be available as your point of contact.<\/p>\n\n\n\n<p class=\"has-medium-font-size\">This phase focuses on finalizing the details and ensuring everything is executed exactly as planned.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-custom-quartermary-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"has-medium-font-size\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\"><strong><strong><strong>In this step I assist with:<\/strong><\/strong><\/strong><\/p>\n\n\n\n<ul style=\"margin-right:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\" class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Coordinating&nbsp;<strong>disbursement arrangements<\/strong>&nbsp;with the bank<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Reviewing&nbsp;<strong>contract documents and terms<\/strong><\/li>\n\n\n\n<li class=\"has-medium-font-size\">Support with any&nbsp;<strong>additional documentation if needed<\/strong><\/li>\n\n\n\n<li class=\"has-medium-font-size\">Coordinating between&nbsp;<strong>bank, notary, or seller<\/strong>&nbsp;as required<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<p class=\"has-medium-font-size\">Even after the financing is complete, I remain available for questions or adjustments \u2014 whether it\u2019s regarding a later refinancing, a subsequent financing phase, or just general advice.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Mein Beratungsprozess Jede Finanzierung beginnt mit einem klaren \u00dcberblick.Auf dieser Seite erfahren Sie, wie ich Sie Schritt f\u00fcr Schritt begleite \u2013 von der ersten Einsch\u00e4tzung bis zur erfolgreichen Auszahlung.Mein Beratungsprozess ist darauf ausgerichtet, Ihnen Orientierung zu geben, Komplexit\u00e4t zu reduzieren und Entscheidungen transparent zu machen.Sie sehen hier genau, welche Phasen eine Finanzierung durchl\u00e4uft, welche Unterlagen [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"header-footer-inhalt","meta":{"footnotes":""},"class_list":["post-214","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/pages\/214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/comments?post=214"}],"version-history":[{"count":27,"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/pages\/214\/revisions"}],"predecessor-version":[{"id":524,"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/pages\/214\/revisions\/524"}],"wp:attachment":[{"href":"https:\/\/wagnerfinanz.immo\/en\/wp-json\/wp\/v2\/media?parent=214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}