Additional financing for real estate transfer tax

Once again, back to the question from the OP

Refinancing is possible...

... or not.

How high is your loan-to-value ratio? If you don't make it for the fairly manageable amount, how will you handle further cost increases (= unforeseen expenses or special requests)?
If you have already planned €100k, refinancing is no problem. If only €5k is included, everything is already used up anyway - especially since you apparently have no reserve ==> unforeseen circumstances are always part of construction and for everyone

*hust* Connected plot does not mean that the lines run all the way to your house and only need to be plugged in. It means they run up to 1 meter on your property. The house connections are then usually laid up to 1 meter outside the house. You have to handle the connection of the connections yourself, and the costs add up quickly. If you possibly need a lifting station (wastewater), it gets very expensive quickly. Upgrades are also not free and are advisable for almost every house construction. The socket package alone is never enough. Often the patch panel (network) is not included either. Edge strips with the tiles included? Small costs, but it adds up incredibly fast. Many decisions are made on site ("Do you want these fibers included in the screed? Costs 300 € extra but prevents cracks.") Additional financing in this small area is often handled through consumer loans. Not every bank allows this as additional financing.

The OP has not been listening for a long time because he does not believe us. I tried my best at the beginning. Always the same old story.

our current loan amounts to just under €242,000 listed in the land register under my name.

We have paid the notary / real estate transfer tax and land register entry for the property from equity.

Should we now wait until we really need the money or can we already inquire like "Hello, what if we need another €10,000, would refinancing be possible?

Many thanks.

You are really scaring him...

But it is partly justified. If you break it down, you come to the conclusion:

1. You signed a turnkey contract!

"House and land €241,700 plus real estate transfer tax and notary fees"

2. you are financing the whole amount!

"our current loan amounts to just under €242,000"

3. your equity is already gone!

"We paid the notary / real estate transfer tax and land register entry for the property from equity"

""Hello, what if we need another €10,000, would refinancing be possible?"

Doesn't sound particularly good...

Remaining open questions:

1. Do you now have no equity left at all? Real estate transfer tax and notary fees can only have been max. €5,000...

2. With what money do you want to pay for the floor coverings, painting work?

3. What is all included in the contract? Development gas, water, wastewater, electricity, telecom are usually paid by the builder himself from the street to the house... in our case in Brandenburg also about €5,000. What about construction power / construction water?

4. What about upgrades? Have they already taken place?

You’re really scaring him...

But it is partly justified. If you break it down, you come to the conclusion:

1. You signed a turnkey contract!

"House and land 241,700 euros plus property transfer tax and notary fees"

2. you are financing the total amount completely!

"our current loan amounts to just under €242,000"

3. your equity is already gone!

"Notary / property transfer tax and land registration fees for the land were paid from equity"

""Hello, what if we need another 10,000 euros, would refinancing be possible?"

Doesn’t sound very good...

Then there are still open questions:

1. Do you now have no equity left at all? Property transfer tax and notary fees can only have been max. 5,000 euros...

2. With what money do you want to pay for floor coverings and painting?

3. What is included in the contract? The developer usually pays for external connections of gas, water, sewage, electricity, telecom from the street to the house... in Brandenburg that was also about 5,000 euros for us. What about construction electricity / construction water?

4. What about upgrades? Have they already taken place?

All already written! The original poster doesn’t understand the difference between external and internal development. He probably, like almost all of us, paid for the external development with the land. But the internal development plus everything else you listed still comes on top.

Well, that's a pity. I would like to know how it turned out. But I believe the OP will still have a lot of fun with his build ...