Construction financing - Different statements by intermediaries

I thought the question was purely about the costs for the house "off the shelf" ;).

I thought it was about the financing - how the house is built is secondary.

and are also listed as such in the contract.

Since we don't know your contract, whether ancillary construction costs are included, whether it's a developer house or not, there's not much more to say about your question. Your sparse information doesn't reveal much.. this also applies to your other thread: no arms, no cookies :cool:

I thought it was about the financing - how the house is built is secondary. Since we don't know your contract, whether additional construction costs are included, whether it's a developer house or not, there's not much more to say regarding your question. Your sparse information doesn't reveal much... the same applies to your other thread: no arms, no cookies :cool:

Thank you. I didn't really want to disclose the contract and my financial key data so publicly now. I hope for understanding. Although my salary can be publicly googled, which is quite transparent. But it would not illuminate the matter any further. As I already described, two financing inquiries with almost the same "key data" and two different results. As I also wrote, the financing includes, besides the house construction costs, all additional construction costs, taxes, etc. Maybe we are also talking past each other or I did not fully understand your question or concerns. The other commentators have also posted comprehensible explanations, which suffice for me and make the whole thing understandable and plausible to me. A "forecast" from Interhyp is simply not a concrete financing inquiry with an explicit building project - that's how I understood it.

Hello,

I find it somewhat strange that a seller "insists" on a financer they know, or is that perhaps common with larger projects? They shouldn’t care where the money comes from, right?

As long as the "solutions" don’t involve additional fees, you should just wait and see what kind of offer comes.

Best regards

Thanks for the reply. Yes, that’s what I thought too. Surely some commission plays a role there... ;)
No additional fees would be charged. It’s more about financial optimization or more equity. But that should be doable.
I have the next appointment on Monday and then I’ll know more.
And if all else fails... well, I’ll just stay in my nice 82 sqm top-floor apartment for 400 € warm and live financially worry-free and eventually take over my parents’ house... there are worse things ;)

As I also wrote, the financing includes, besides the house construction costs, all ancillary construction costs, taxes, etc.

Actually, you did not write that. You didn't write anything at all.

Thank you. I also did not necessarily want to disclose the contract and my financial key data so publicly now. I hope for understanding.

If you have an equation with several unknowns, it is very difficult to calculate any one of them at all.

Whereas my salary can be googled publicly

The same applies to the salary: the status and age are unknown. It could be anything from soldier, middle service up to professional judge, from level 1 to level 15. And honestly: among many users who have a lot to say, you are currently not exactly the most interesting. If queries are not answered, then so be it. At least the important Ws should be explained,

All good. As I said, I was helped regarding my question and I didn't want to be interesting anyway ;). Thanks to all the commenters.

I find it rather somewhat strange that a seller "insists" on a financier he knows, or is that perhaps common in larger projects? The seller shouldn't care where the money comes from, right?

Well. That can have two reasons:

1. The house seller currently has a lot to do and is cautious about the feasibility of the financing. The financier then quickly tells him whether the financing is feasible or not, so that he does not waste unnecessary time on a potentially unrealizable building project.
2. The financier pays the house seller a commission. That is pretty common.

We ourselves once had to experience being more or less kicked out by a house seller when we told him that our financing with the house bank was already secured and that we therefore did not need contact with a financier.