Bank does not accept own contribution

TGA= Technische Gebäude Ausrüstung nach meiner Kenntnis, also Sanitär, Elektro etc

I didn’t know that electrical and sanitary were also included. An electrician is supposed to look at it beforehand and finally connect and approve the main connection. We have two toilets, one shower, one bathtub, one sink, and one dishwasher. All on one level. How much planning is really needed for sanitary work there? But good point. I need to get information about TGA.

TGA = Technical Building Equipment to my knowledge, i.e. sanitary, electrical, etc.

Common in commercial sectors, for single-family homes it's like using a cannon to shoot sparrows.

In some places it seems that craftsmen work for companies and municipalities during the day and in the evenings and weekends for family, friends, football club

I know that as illegal work. But it has nothing to do with EL.

I didn’t know that electrical and sanitary work are included. An electrician is supposed to look at it beforehand and in the end connect and approve the main connection. We have two toilets, a shower, a bathtub, a sink, and a dishwasher. All on one level. How much planning is really needed for sanitary? But good point. I have to inform myself about TGA.

I find the idea fundamentally interesting and always like to read such ideas. What I miss is a Plan B?

What I find relatively unrealistic is the schedule. But that has already been said.

And there are certain things I wouldn’t want to do as a craftsman. As an electrician, I wouldn’t approve your work without having the contract, generating revenue, etc. Why should I do that? -> Of course, these can always be “friends, acquaintances, etc.” as long as they also take on the warranty. In case something does happen.

I’m currently experiencing that craftsmen simply do not want to install or use certain manufacturer brands (my wife found something great on the internet) because they know the manufacturer and the quality of the products.

With you, it all sounds completely unproblematic. What’s always irritating is that with every objection certain parameters are shifted (suddenly the construction time almost doesn’t matter).

If I were the bank, you would have to plausibly explain to me why you, without any craft training, should be the exception to the rule. So where is the security you can provide and where is the detailed plan?

No, that was not a slip-up

Alone in interior construction, over 1500 working hours have accumulated with us. No time-consuming special equipment. No craftsmen who have acquired their skills through tutorials, who are not tired after work and put in a few hours. That is more working hours in a year than a full-time job entails. Private life is not on hold either. Birth of a child, birthdays, family help, illness. A simple pneumonia puts everything on hold for 2 months.
Waiting for craftsmen, for materials.
You are at the very end of the list.
You take longer. Much longer.
How long do you think you can keep up this workload?

I know that as undeclared work. But it has nothing to do with EL.

That's what I mean. These homeowners hire craftsmen without invoices and still get financing. Do they declare own work or does the bank not ask for invoices?

I basically find the idea interesting and always like to read such ideas. What I miss is a plan B?

What I find relatively unrealistic is the scheduling. But that has already been mentioned.

And there are certain things I wouldn’t do as a craftsman. As an electrician, I wouldn’t do the inspection for you without having the contract, generating revenue, etc. Why should I do that? -> Sure, these can always be "friends, acquaintances, etc." as long as they also take on the warranty. In case something does go wrong.

I am currently experiencing that craftsmen simply do not want to install certain manufacturer products (wife found something great on the internet) because they know the manufacturer and product quality.

With you, it all sounds completely unproblematic. What always confuses me is that with every objection, certain parameters are shifted (suddenly the construction time doesn’t matter almost at all).

If I were the bank, you would have to explain to me convincingly why you should be the exception to the rule without vocational training. So where is the security you can provide and where is the detailed plan?

The construction time is really irrelevant to me personally. Of course, the faster the better, but if the bank doesn’t impose any requirements, then 2 years would also be fine for me since I live rent-free with my parents during the construction period.

Plan B: good question! Probably bite the bullet and only do the own work that the bank accepts and hire craftsmen for the rest. Would of course be more expensive and something to consider. Or save equity and organize through family so that the bank doesn’t ask who is doing the rest of the work?

I want to create a very detailed plan and a story about why I should be able to do this together with the architect. That is a lesson I have learned from the responses here.

I also know your situation, where craftsmen refuse to install certain products, the other way around. They promote a brand (probably get a commission) and a few years later it no longer exists.