Construction costs are currently skyrocketing

Received 2 offers again today regarding the exterior plaster:

White frame around all windows and doors on a gray facade: €50 net per window/door

Base plaster 30cm height as colored stone version instead of cement coating (I would have to check again but I think that would be standard) €1040 net

Seems very cheap to me for these days. With invoice?

Does the ordering of the land charge by the notary also count as ancillary construction costs?

Notary, broker, property tax etc. belong to the incidental purchase costs.

yup!

If I already pay these costs myself in advance and also the surveyor,

You have to use your equity capital invested in the financing first before the borrowed capital is paid out. There are exceptions, depending on the bank. Incidental purchase costs, that is, ancillary purchase costs usually cannot be financed. Banks expect you to pay them from your own money. Afterwards, the financing is arranged with your remaining equity capital. If they finance the incidental purchase costs, it is called 110% financing, which banks then charge for with a higher interest rate.

yup!

You have to use up your equity invested in the financing first before the debt capital is paid out anyway. There are exceptions, it depends on the bank.
Additional purchase costs, that is additional purchase costs, usually cannot be financed. The banks expect you to pay that out of your top. Afterwards, the financing is finalized with your remaining equity.
If they finance the additional purchase costs, it's called 110% financing, which the banks then charge with a higher interest rate.

I had read that too. However, our savings bank does not expect us to use up our equity first. And additional purchase costs (like e.g. kitchen) were accepted in the calculation as well.

And also additional purchase costs (such as kitchen)

A kitchen is not part of the additional purchase costs (Kaufnebenkosten), but part of the furniture.

However, our savings bank does not expect us to first use up our own capital.

Yes, I did write: exceptions. However, it is normal to use most of your own money first and not the borrowed capital.

yes with invoice of course

If I already pay these costs myself in advance and also pay the surveyor, then this is not financed, but my equity capital is also reduced as a result.

We had also already paid the costs before we completed the financing. The items were included in the calculation and considered as already used equity capital.

And additional purchase costs (such as the kitchen) were accepted in the calculation.

The kitchen was irrelevant to ING and was not considered by us at all. Only our own contribution for painting and flooring work was credited to us with approx. 10k.

However, our savings bank does not expect us to first use up our equity capital.

ING also pointed out to us during disbursements that we first have to apply equity capital. Strangely, however, they made almost all disbursements, that is, paid out almost the full amount. Only the last 15k is currently being withheld until the equity share is considered used.