Accurately assess personal contributions before building a house

You say you don't know what will happen if you don't spend the money. Well, why don't you ask at the bank on Monday.

I have really never heard from builders that there have suddenly been miraculous cost underruns. I see no more than a buffer in the amounts mentioned.

Yes,

I will call the lady on Monday. Then I will know more, the kitchen and bathroom have not been completely chosen yet. My partner can have fun with that :)

Kitchens usually are not covered by the loan. And don't be mistaken, there are plenty of people who have fallen for washbasins costing €8,000 and more.

Wow, with the eight-thousand class you get really clean, pure so to speak.

Hello, ask there. It is probably standard letters in the contract. Definitely request an email as well if you do not need it after all. So with a €6,000 personal contribution, I find it already ridiculous.