Construction financing: Pay for the land in cash

Just out of pure interest: How do you define "a proper bank"?

Yes, of course it is exaggeratedly phrased. However, the Sparkasse combines all the disadvantages of a semi-public institution: expensive and inflexible, even the division into regional areas is super outdated.
For me, a proper bank is a bank that keeps up with the times. Where I deposit money now and it is immediately available in my account. One where I can cash a cashier’s check anywhere.
But we are getting off topic, everyone has different experiences with banks.

Hello,

I've noticed this here several times, what kind of castles are you all building? I have several offers for about €160,000 excluding additional construction costs (120sqm, no basement with garage)

You live and will probably build in MV, where prices between €1,300.00 and €1,400.00 (so far) are still "normal". In other regions of the Federal Republic you won't get a house for that right now. So be careful with general statements, especially since prices for Mac Pom will certainly rise sharply in the medium term.

Each must decide for themselves, but in some posts you really can't talk about the average German house builder.

What do you consider the average builder to be?

Rhenish regards

In NRW gibt es 130qm KFW70 ohne Keller inkl. Baunebenkosten und Fertiggarage für 230-260 TEUR

230k including ancillary construction costs is not far from me either. Although I also know flat-rate offers KFW 70 for 140T (120 sqm)

What is the average builder in your eyes?

120 - 140 sqm net living area. Of course, it is hard to tell the net living area just by looking at a finished house.

yes, of course it is exaggeratedly formulated. However, the Sparkasse combines all the disadvantages of a semi-governmental institution, expensive and inflexible, just the division into regional areas is super outdated.

For me, a proper bank is a bank that keeps up with the times. Where I deposit money now and it is immediately available in my account. Where I can cash a clearing check anywhere. But we are getting off topic, everyone has different experiences with banks.

I would like to delve into this topic further because I believe you are falling for some prejudices. But everyone has to decide for themselves. I do not see a single statement that is factually and professionally correct. Sorry.

Hello,

120 - 140 sqm net living area. You can hardly tell the net living area of a finished house

That is also what the vast majority of builders construct. And now?

Rhenish greetings