Construction financing 160 sqm single-family house - feasibility assessment

Where does all this "building a house is full of surprises" stuff actually come from? Apart from the earthworks, I don’t know of any item in house building that couldn’t be meticulously planned in advance? Even the earthworks can be fairly well outlined with a soil survey, although there is always some residual uncertainty. But otherwise, with turnkey general contracting, there are no surprises in construction that you couldn’t plan for?

Well, clearly the incomplete description of construction services and the ignorance about ancillary building costs. I won’t even start with the outdoor facilities, this “we'll do it later” also costs money (doing it later apparently costs nothing for some). But when I think about the fact that rainwater downpipes just stop 30cm above the ground, that wastewater must be collected somewhere, or that utility connections do cost something after all, even if the plot is developed, I was baffled at first too. Who thinks about the fact that storing excavated soil does not include disposal. And honestly: who likes to spend money on experts and soil surveys? All in all, you end up spending around €10,000 on such “security” extras. We were the only ones who had this survey done. YES! With the knowledge gained from the forum and the experience from the first house build, one can philosophize well about the planability of house costs! ;)

I ask for a photo of your face as soon as you receive the notice about the real estate transfer tax on both the land AND the house, since you are building with a developer

The land was paid for. In this respect, it should be obvious that the term developer was used incorrectly (this happens to quite a few).

Well, clearly the incomplete scope of work description and the ignorance about the ancillary construction costs. I won't even start with the outdoor facilities, this "we'll do it later" also costs money (apparently for some, doing it later costs nothing). But when I consider that rainwater downpipes just stop 30cm above the ground, wastewater has to be collected somewhere, or utility connections do cost something after all, even if the plot is developed, I was initially baffled too. Who thinks about the fact that storing earth does not include disposal. And honestly: who likes spending money on expert and soil reports? All in all, you're at about €10,000 for such "security" extras. We were the only ones who had this report done. YES! With the knowledge gained from the forum and the experience from the first house build, one can philosophize well about the predictability of house costs! ;)

For us, it will be about €15k more than planned. With €495k and the good additional buffer, well manageable. But so far, I haven't heard/read anyone who could stick to their plan. Especially not with architects :-)

The property was paid for. In this respect, it should be obvious that the developer was incorrectly used as such (this doesn't happen to the fewest)

No, if there are two separate contracts with the same company / were, it could also be a hidden developer transaction. This is often done to pay real estate transfer tax only on the land. Unfortunately, it often gets exposed when the tax office wants to see the contracts...

No, if there are two separate contracts with the same company, it could also be a concealed developer transaction.
This is often done to pay real estate transfer tax only on the land. Unfortunately, it tends to be discovered when the tax office wants to see the contracts...

Yes, but the "if" here is simply a dramatization without really knowing the facts.
You don’t become more credible by turning everything negative. Quite the opposite is true. That’s why many forum members stay away and turn their backs on the exaggerated forum.

I don't see any dramatization. The thread starter has not managed to provide all the required information for 15 pages and/or to engage regarding the difference between BU / BÜ / developer. I see that as more dramatic. Although by now I only believe it's a troll. Even the simplest-minded person wouldn't naively throw away their money like that voluntarily...