Construction financing proposal, opinion?

Actually, it was only about the construction financing, or rather the construction financing proposal, and not about the construction company, everything got a bit off track. We want to build in Lower Saxony [Hilter 49176]

Actually, it was only about the construction financing, or rather the construction financing proposal, and not about the construction company; everything got a bit sidetracked.

We want to build in Lower Saxony (Hilter 49176)

But this often happens again and again in forums, the initial question and the intent or the question of the OP quickly fade into the background.

Yes, the numbers are from him. Silly question, why does he calculate everything so low? We had already inquired about the house connections with the responsible parties; they are about 7000€.

Only your financing advisor can answer that for you. But why should he be honest with you if he told you that you actually need 380k€ to build smoothly without additional financing, - you might possibly back out or the bank would say "No" due to your income and low equity. The financing advisor has nothing to gain from either. Even if it occasionally drifts off-topic, you probably prefer that it is pointed out here that it could become tight rather than us acting like your intermediary, right?

But this also often happens again and again in forums, the initial question and the intention or the question of the OP quickly move into the background.

If there are obvious errors in the calculation (financing/ construction costs), one should address them!

Only your financial advisor can answer that for you. But why should he be honest with you if he told you that you actually need 380k€ to build smoothly without follow-up financing,

- you might possibly back out or the bank would then say "No" given your income and little equity. The financial advisor gets nothing from either.

Even if it occasionally goes off-topic, you surely prefer being warned here that it could get tight rather than us acting like your broker, right?

Zaba, do you know the broker or do you mean you know one, do you know all of them?

I really wonder why there is such a general attack on brokers you don’t even know. Why? You don’t know anything at all, but you just bash them generally. Who is that supposed to help? How sustainable are such posts?

Not that these bad apples don’t exist, but all of them? Yes?

If there are obvious errors in the calculation (financing/ construction costs), one should address them!

Yes, but the question is how, and then you can also point something out instead of just throwing something out there wholesale, and above all, one could also ask whether the original poster is even interested in that! Everyone can write whatever they want, even unsolicited as far as I'm concerned, but the question must be asked, it must be allowed, on what basis one makes a blanket statement.

What, for example, do you have to criticize about the costs in this thread and on what basis would you justify your opinion?