Bank does not accept own contribution

The construction time personally doesn't matter to me at all. Of course, the faster the better, but if the bank doesn't set any requirements, then 2 years would be fine for me as well, since I will be living rent-free with my parents during the construction period.

You should definitely negotiate a really long interest-free loan provision period! At least 12 months, rather 18-24 months.

Besides, you will have to take a day off every now and then because the muscle soreness from unfamiliar work will bring you to your knees

Without a crane, you spend more time carrying than building. And the helpers are all the happier about that. They just stop coming then

You should definitely negotiate a really long interest-free loan period! At least 12 months, preferably 18-24 months.

That doesn't matter. You pay it anyway – every bank factors it into the interest. Better to take a shorter free period and a lower interest rate. Over the loan term, that is usually significantly cheaper.

If the bank does not do that - and that’s how I understood you (architect says building progress), then that would be a way to manage self-construction after all.

That can be the way. Many do it, but not all banks. I would exclude direct banks. Small Volksbank/Raiffeisenbank or Sparkasse work quite well.

That doesn’t matter. You pay it anyway – EVERY bank includes it in the interest rate. Better take less free time, but a lower interest rate. Usually, this is significantly cheaper over the loan term.

Whether it is better to pay commitment interest is doubtful, but it has to be calculated depending on the offer.

Yes, it arrived like that.

What do you think, how much do you have to make phone calls?

The construction site is on hold because tiles are not coming. Several weeks of construction stoppage involuntarily. The stove fitter can’t come because the tiles are not laid, chimney sweep can’t come without the stove. You postpone and have to wait until you eventually fit in.