Additional financing for real estate transfer tax

If I write twice that most likely no house connections are included in the development costs "fully developed" and I hear a "but" twice without further explanation, then I have no choice but to wish "good luck."

Without wanting to play the TE's lawyer here: Has the lender fulfilled their duty of care? Such inconsistencies should also be noticed by the financer. And: I have three books from the Verbraucherzentrale on house building and financing... as far as I remember, the trap of "linked transactions" unfortunately did not appear in any of them... Being informed about all the traps is unfortunately also partly a matter of luck, even with research.

Hello dear ones, I’m also getting back to you, only time is tight at the moment..

So all costs such as
[Bauwasser / Baustrom] paid including the connections. We only start paying from switching over to our own meter.
Sampling is done, hardly any additional costs have arisen for us, we can pay those ourselves.

Who says it was unplanned? My point is only that the tax office sees it as a joint project and we might have to refinance 10,000 for it. Only if necessary, we still have a few [TE.] in reserve...
however not "left over" for the real estate transfer tax demand.

Then installment loan

even if everyone here is right, the tone is just not nice. he really messed up and everyone is just trampling on him even more. as he told it, it will never work out of course. even the stingiest Hartz IV home builders don't get through without extra costs during construction. then complete items are missing and even if you put up the wallpaper yourself, the material will easily cost 2000€ or more (that's quite a few sqm to cover...). and the flooring was probably also withheld and the outdoor area costs a lot of money, even if you do everything yourself.

just as a reference for us:
house with the general contractor 200,000€
land 63,000€

house costs on the handover day: 340,000€. but we also went all out, outside there wasn’t even a doorstep included in the price. the outdoor area now roughly costs 30,000-35,000€ finished including carport

we planned with 330,000€ including a 15,000€ reserve. the earthworks (and digging for sewage) cost a ton of money. also, we didn’t calculate 1-2 inspections beforehand. I wanted fingerprint and an overlapping-leaf front door, that just costs 4000€.

in any case, good luck. otherwise ask your lender if you can get additional financing. however, all other costs will come again as they also have to be recorded...

one thing amazes me quite heavily now: why on earth did the bank sell it to you like that? they require a calculation and know that this is nonsense...

I'm not there yet, but can't you just leave a shortfall of 10k € open? Then the outdoor facilities will just be completed in a year. We have been in saving mode for half a year. We earn well but not very well. But we were able to save a good amount in half a year.