Hello Wolverine, could you please share how you formulated your offer? I suck at negotiations and hesitate to make an offer for a lower amount (how stupid is that). I literally have the financing ready (for a small apartment in the Berner Oberland) and hesitate how to write the email. Should I just write “Wir möchten gerne eine verbindliche Offerte für xxx CHF (inklusiv kkk) einreichen, angenommen dass die Konditionen in Ihrer Email vom xx.yy.zz gültig sind.” Or should I try to validate my lower offer? Actually, my validation is quite simple: Expected income / Price of the apartment should be more than 4.5%.