160m2 detached house in timber frame construction on the north slope with basement

do banks actually have to take this into account in their calculations.

The question was whether this is a reliable piece of information? The quality of construction methods in both "solid" construction as well as prefabricated construction has meanwhile taken on such wide ranges that this superficial criterion seems very questionable to me as a guideline for the value retention of a property. I would like to refrain from giving examples of extremely poor or good executions in both construction methods at this point, as this has already been discussed often enough here. The question is, has anyone here really had the experience that their bank generally rates a prefabricated house worse than a "solid" house?

I don’t want to say that prefabricated houses are worse than solid constructions.

However, solid houses simply achieve significantly higher prices on the market than prefabricated houses. Of course, this is still the case today. You can easily verify this on the relevant real estate sites. Also ask appraisers about it.

The faster construction method, the main advantage of prefabricated houses, no longer exists on the used market.

And banks have to auction the house in case of doubt. So it is clear that solid construction is always better for financing and is calculated differently. But here, too, every bank will handle it differently.

I have personally had experience with banks and a colleague is a financial broker.

This was also a main reason for me against prefabricated houses. A property is an investment and retirement provision. The chances of getting significantly more cash later when selling moved me towards solid construction.

First of all, thank you very much for the numerous, mostly constructive responses.

Interesting that you are in the floor plan discussion forum, but do not respond in the slightest to the criticism of the floor plan.

Interesting that you are in the floor plan discussion forum but do not address the criticism of the floor plan with a single word.

That's exactly what I was about to write, there has been plenty of factual and well-founded criticism, the original poster hasn't addressed any of it. Especially what Schnauzer mentioned, but also the uncomfortable living room corner and entrance area. I also find YPG's suggestion of having living space in the basement absolutely worth discussing. I would be really interested to see if there will be any response to that?!

There is none, meaning ventilation by hand. Multiple companies have told us that for these houses, no controlled residential ventilation or similar is necessary to prevent mold.

Even if you build only according to the Energy Saving Ordinance, your house is airtight. Ventilation by hand takes place several times a day.
I wonder whether you are really with a provider offering good equipment.

It is not present but included in the price.

I do not mean the cost of the structural engineer, but the additional costs that structural engineering can cause. More reinforcement, thicker base plate, thicker ceiling, thicker retaining wall
and these are not included in the price—unless the construction company has a good crystal ball.

They come on top of that.

Is there a geological report?
You absolutely need a large buffer. Despite a geological report, on-site inspection, and review of the offer by architects and experts, we still had a five-digit amount added due to surprises.

Yes, according to the soil report it is necessary; according to the mentioned civil engineer probably not. I will still insist on it, I think. It would be an additional cost.

Have the wall additionally insulated from the inside.

We don’t know exactly how we will handle this yet. We will probably have the essentials done directly.

The essentials lead to a chain reaction. Definitely get quotes from garden and landscaping companies as well.

It is a high-quality "turnkey". The cheaper lines of the good brands are included in the sanitary installations. The electricals include everything you need. A few sockets here and there we would have to upgrade but nothing major.

Sockets cost between 25 and 90 euros.
How many intercom systems for the door are included?
Where are all the light switches?
Even with high-priced providers, the electrical installation is sparse.
Walk through your house and simulate daily routines to see when and where you have to press the light switch.
Go into your kitchen, living room, etc., count the sockets, note where you have multi-socket adapters, and where sockets are repeatedly missing.
This is exactly where the famous “every little bit counts” applies.
Where do you want to have a TV everywhere? Also think about the children’s rooms; they will be due sooner or later.
In times of Netflix and co., a LAN connection next to the TV socket?
Is the satellite system big enough?
Spots?

We know that, which is why a prefab house company. The risk of nasty surprises is simply not as high as with an architect. Especially with a 110% financing...

After the specification meeting, they can tell you exactly what your house costs + earthworks + demands from geologist + demands from structural engineer + surprises.
They also have no crystal ball nor a red cross on a white background. They also insure themselves against uncertainties.

Don’t be mad at me. Change the floor plan. Remove the garage from the basement and build a carport. Do not use the basement as a basement but as living space. Your budget does not allow dead space.
Clarify all question marks. With a 110% financing you have no leeway. What will you do if something is added afterwards?
Really get offers for every little position marked as customer-provided.
Really collect every additional cost from the socket to the paving stone in the driveway.
Browse through threads here about construction costs, incidental building costs, why an additional financing became necessary, etc.

That was once the case and still applies more to older prefabricated houses today. Modern timber frame constructions are on par with solid constructions.

The banks still make distinctions

I also find YPG's suggestion of living space in the basement absolutely worth discussing.
I would be interested to see if anything more comes of it?!

Where did I write anything about living space in the basement? You mean the office?
Basically, a bit more homeliness should be brought into the basement, that is the key statement regarding basements