Amount of the monthly installment

Hello , why are you ignoring my posts? Why don't you post the offer?

Sorry, it was not my intention. Which offer do you mean? From the Sparkasse?
That was 342k at 2.2% interest with a monthly rate of about €1200 and a term of 15 years.

No, the offer from Town & Country, which you have signed. This way, you could still be informed about missing items before you sign the loan at the bank.

I estimate that with T+C the solar thermal panels are included with gas. Exactly what the Energy Saving Ordinance requires but no more than that. There is no need to talk about controlled residential ventilation with heat recovery here because it’s not within the budget. Is anything planned regarding ventilation?

You can still live with radiators today, but do you want that? Radiators and gas are simply the easiest things to do and the cheapest for T+C. You’re just closing off the option of switching to a heat pump. But then there’s the problem that the underfloor heating must be planned and installed specifically for a heat pump.

I have never in my life lived/lodged any other way than with radiators and gas heating. For us, completely okay and sufficient. We are having wooden floorboards laid by an acquaintance, which isn’t really compatible with underfloor heating anyway. And even so, from the start we said that we would choose radiators and gas heating.
A ventilation system with heat recovery is still included in the price.

No, the offer from Town & Country that you signed. That way you could still be pointed out missing items before you sign the loan with the bank.

Oh! Good idea! I'll post that later when I'm at home! By the way, we can still withdraw from the contract within 2 weeks after it has been delivered to us by post. We haven't received it yet. We only signed it with our advisor.

Sessi, you see: exactly that!

I didn’t know that either (because it wasn’t relevant for us), and you probably didn’t either. The next question follows: are the costs for a controlled residential ventilation system already included? Or are you supplementing the gas boiler with photovoltaics? Since no underfloor heating is planned, the latter must probably be done, right? How have you planned that? Are the costs included in the offer? Neither you nor Town & Country will get around the Energy Saving Ordinance.

And I agree with Curly: a new build without underfloor heating at least in the bathroom is simply no longer standard. Think it over carefully!

The gas boiler is supplemented with photovoltaics and is already included in the price. As I said, we have always lived with gas heating and radiators so far and find that perfectly fine.

Since modern underfloor heating systems have a significantly lower flow temperature, combining them with wooden floors is no problem. And you’re really getting wooden planks? Not parquet? Floorboards? And that is included in the budget?

And that is actually my absolute pet peeve argument: we have always done it this way, I have never done it differently!

hm!

So if humanity had always thought that way, we would still be wearing loincloths, living in caves, and hunting mammoths... since the latter are extinct, we would be extinct too, because people always hunted mammoths and therefore starved.

If you want to use traditional radiators, okay. I can understand if someone says they want to save money there, but not “because we have always done it that way.”
Personally, I don’t know anyone who, once they have lived with underfloor heating or other surface heating, wants to go back to radiators, and there is a good reason for that.

Wow, photovoltaic and controlled residential ventilation with heat recovery?
I underestimated Town & Country (and I don’t quite believe it yet)