I now have a mental problem and déjà vu, having already written something regarding some costs, but it seems (rather only) to be a parallel thread of the same kind here.. :confused: I always like to point out not only to follow your own post but to read through parallel threads – there are similar tips etc. there that come up a bit short here because you’ve already written them as a tip-giver.
The plot is already included in the calculation as paid off (several advisors said so), then equity capital through own contribution plus the 15k that will then be there. It ended up being 80-85% financing.
How many calculative gaps does this post contain? The plot is not paid off, own contribution in what amount for what? It’s not like own contribution is a factor x that just happens by itself, but this factor x of own contribution has to be achieved (possible). But it is a common means to substitute a few thousand euros that are missing. Either you have to do it yourself or somehow else, which again costs money you don’t have due to lack of equity. The 11,000 just barely go for the kitchen.
Otherwise the house is turnkey
What is included in turnkey? Usually, immense items come on top; the tail end consists of floor coverings and painter’s work in own contribution, which again causes costs for materials.