Nonsense. You buy from and build with completely independent parties. So only real estate transfer tax on the purchase. It has always been like that.
If that's the case, I'm of course happy about it! I had read about it several times.
The €250,000 was a fictitious example to understand at all how the conversion from a variable loan to an annuity loan works / what happens there. (I am aware that €250,000 is too low.)
Unfortunately, I still haven't understood it.
I just want to first understand how high the new loan amount is in my (fictitious) example after 12 months when converted into an annuity loan and how much equity capital has been contributed to the financing (which seems to be €45,000).