I mainly see the problem here that you apparently started building without an application. We don’t know the details. In my mind, I currently picture a semi-detached house with a basement that you demolished except for the basement.
Right now, I don’t see where it says that we already started building before the application was submitted? We did not. We completely demolished the house including the basement. Independently of a construction company and building application, this application had not yet been submitted at the time of the demolition notification. The building authority told us that a notification was sufficient for this; we submitted this because the construction company had nothing to do with the demolition. We had already made this demolition notification completely independently, months before the application was submitted and before it was clear with whom we would build.
Somewhere it was said that we were poorly advised and that a loan is not needed for the building application. No one claimed that; however, there were times – these are already 9 months ago – when interest rates rose and fell daily and the KfW funding was potentially at risk almost daily. We are actually very glad to have been so poorly advised here, because we wouldn’t receive funding today. Unfortunately, interest rates have fallen marginally, but no one could have predicted that so concretely.
Currently, we actually have no setback problem. But since I have neither a rejection nor approval yet, I naturally can’t make a final assessment.
Both our architect and now we have called several times. Already in February we asked if there could possibly be an approval by 04/01 because we actually wanted to start in April. The answer was: Submit the then open point, then there will be approval. And when asked when we wanted to start, this date was apparently noted. Afterwards, the structural engineer’s certificate appeared. Which makes the least sense to me. But well, that’s apparently how it is.