[Lups]

I hit the absolute rock bottom today.

I don't want to pay a high interest loan for the house and my bank wanted a 1% marginal plus the euribor (0.0000%) for the loan.

I decided that I need an other bank so went to get a second opinion. I want as high percentage lent as possible since money is cheap now as possible and I need to decrease my assets/ debt ratio.


So off to a bank I went. I laid down out financials, gave them the specs of the house and the condo I would put down as a collateral. My ask was the whole house worth, plus some for the condo. Basically the maximum with you can borrow here which is 75% of the value.

I spent two hours explaining why I wanted to do in such way and...

Then I realized I was trying to save 290 euros per month and if i worked the usual 7.5 hours per day, 22 days a month...

I was trying to cut the marginal from 1% (7000 a year) to 0.5% (3500) which means I was sitting there for two hours and if the idiot would've understood what I was looking for I would've saved in those two hours 3.2 euros.

At that point I walked out. For sure the bank teller was not the sharpest pen in the box but WHAT THE FUCK IS WRONG WITH ME????!

I think I'm okay with the 1% total marginal and I'm going to try to write off as company expenses the 3.4 euros I did that all for.

If I get caught for attempting to bend the rules to avoid taxes for that sum, I expect to be represented for free by my Canadian lawyer who has been handsomely paid in beer in advance.

I'm going to enjoy an other beer now (one costs 3.87 euros, so I'm spending like 5hours worth here!) so if the math didn't make sense, it's because I tried to edit my stupidity out from the post and my dyslexia is in high gear tonight.