Bank does not accept own contribution

When a master bricklayer claims to do EL, it is definitely something different in the eyes of the bank than two commercial employees. There’s not much more than painting and flooring and digging a bit in the outdoor area. And that doesn’t save 50,000 EUR, let alone 120,000.

Saving €120,000 is, as mentioned, 2,500 hours of craftsmanship, so 5,000 hours if you try it yourself.

Here is the mistake why the bank declined: You need a break of 2-3 years, not months, to be able to put in this amount of hours for a house.

My brother and I are also merchants and have built in and plastered the roller shutter boxes ourselves using drywall construction, independently constructed the reveals after window replacement with a construction, mesh corner angles, and the like. Brought doors to standard size, sealed all slots, chiseled out the wall projection for a large sliding door, insulated and plastered the roof slope, suspended ceilings on wooden construction, etc.

by no means.

My brother and I are also merchants and have sealed off and plastered the roller shutter boxes ourselves using drywall construction, independently built the reveals after window replacement with a construction, mesh corner angles and the like. Brought doors to standard size, closed all slots, chiseled out the wall projection for a large sliding door, insulated and plastered the roof slope, suspended ceilings on wooden construction, etc.

You just have to dare, have courage, read into it and just dive in.