Construction financing - Different statements by intermediaries

...and here also immediately the possible banks with commitments with the corresponding conditions...

Hold on - we also saw that screen back then. But that has nothing to do with commitments from banks.
It only means that with the provided information, loan-to-value, installment, etc., a financing is feasible with bank X and an interest rate Y would result.
However, this does not yet mean a commitment from the respective bank. They would still individually review your request and can then either commit as stated, commit with an interest surcharge, or also decline.

After the first appointment with Interhyp, we also had dozens of nice, green banks. In the end, none of that remained.

Since you have already posted your house design in parallel (I have to admit that I confused you with another Will builder who also wants to build a space miracle but is single), the numbers possibly do not surprise me. What numbers did the first broker get on the table? What does your further cost plan look like? How much equity and how much financing did you want for what? The bank person from Town & Country probably has the background knowledge about the other incidental costs that the Interhyp person did not have?! Let’s not fool ourselves: you won’t get a house anymore from Town & Country for 200,000, nor affordable wood at the moment.

Yes, I had also read the thread with the other space miracle ;). The 200,000 is stated as such in the consumer contract and planning of Town & Country. I had “designed” or agreed on that in the consultation. I had also heard the point about the construction timber during the consultation and had already read it in various messages. The "key data" (income, equity, almost the same financing amount) were the same with both financiers, only that with the builder’s financing bank there is a concrete project. However, the financing sum increased by about €20,000, as a wooden cladding is required according to the development plan. Maybe that actually decided it. But as I said, the building financier presented me with various proposals and I am quite confident that these are feasible.

Hold on - we also saw that screen back then. But that has nothing to do with commitments from banks.
It only means that with the provided information, loan-to-value ratio, installment, etc., a financing option is possible at Bank X and an interest rate Y would result.
However, this does not yet mean a commitment from the respective bank. They would still individually review your request and can then either commit as stated, commit with an interest surcharge, or reject it.

After the first appointment with Interhyp, we also had plenty of attractive, green banks. In the end, none of them remained.

Thank you very much.
Ah... that's how I had almost figured it out anyway ;(.
That would have been too easy ;).

The 200,000 are stated as such in the consumer contract or planning from Town & Country. I had "designed" or agreed it that way in the consultation.

Yes-ha, but you will surely still itemize - at least electricity, what about liquid supplies for the kitchen, lamps and so on? Utilities? And I asked according to YOUR calculation: what are the stated incidental building costs? What for the outdoor facilities? What for the parking spaces, and then it becomes a developer house, so there's still a lot of additional purchasing costs in terms of property transfer tax...

Yeah, but you'll surely still have to upgrade - at least the electrical work, what about liquids for the kitchen, lamps and stuff? Utility providers?
And I asked according to YOUR calculation: what is specified for ancillary building costs? What about the outdoor facilities? What about the parking spaces, and then it becomes a developer house, so there's still a bunch of additional purchase costs like property transfer tax...

Ancillary building costs, outdoor facilities, and additional purchase costs of course come on top of the house price and are also listed that way in the contract. Sorry, I thought the question was purely about the costs for the "off-the-shelf" house ;).
The financing naturally includes all (incidental) costs and taxes.
I didn't want to "bulk up" the electrical work much more now, or rather, in a previous life I was an electrician and my father is a retired master electrician... so if there's still a junction box to be installed... ;)
Money for the kitchen is available and for the lamps too... although I'm rather practical/pragmatic and cost-oriented there.

Hello,

I find it somewhat strange that a seller "insists" on a financer he knows, or is that perhaps common with larger projects? Where the money comes from shouldn't matter to them.

As long as the "solutions" don't come with additional fees, one should just wait and see what kind of offer comes.

Best regards