Hello,
But what about the following construction (additional) costs:
Soil report
Surveying
Setting out
Construction power/water
Neutral construction supervisor/expert
Value of own work
I have attached a calculation from our independent financing broker for you – of course without any contact details. Although it does not match your data, it does include an item "Additional costs according to economic feasibility calculation". This contains the aforementioned items.
How are the costs handled that only arise as additional costs during the sampling (tiles, electrical, sanitary), we have initially estimated them as a lump sum for ourselves, but does the bank do it that way as a lump sum too?
No, these belong in the equity capital.
Must the costs be proven with receipts when the loan amounts are disbursed or at the end, or is the builder’s planning of the costs sufficient?
That depends crucially on the bank you are financing with. The Ing-Diba, for example, requires a form from the builder before each disbursement, in which the claim for the disbursement of the installment payment xyz is described and quantified exactly.
12K€ connection costs
Means?
176K€ house on slab (incl. 10K€ flat rate for costs in sampling)
For how many sqm/living space?, slab or basement, plaster or clinker?
4K€ setting out/soil report/electricity/water
4K€ financing costs
3K€ construction supervisor
10K€ unexpected (/double garage)
You probably won’t make it with that; take a look here:
https://www.hausbau-forum.de/ratgeber/bauherrenhilfe.422/bauherrenhilfe-vor-vertragsabschluss.424/bausumme.662/#Baunebenkosten%20und%20Grunderwerbsteuer
Best regards
