Credit criteria for a house renovation

....If, on the other hand, you believe you know everything better - as your last sentence reads - then why are you asking here?

This is not uncommon, usually only confirmation of one's own opinion is sought. "Connections" with acquaintances, relatives, etc., by the way, have subsequently led to various "cooling-off phases" after the actual realization became apparent in practical operation ;-)

best regards

Thank you for the numerous pieces of information. So far, we have not changed the general substance, so I do not believe that approval would have been strictly necessary. Up to now, these are, so to speak, preparatory works. I can simply level and insulate my subfloor, can't I? Regarding the bank, I will inquire. I only asked here because I thought there would be a general regulation or standard things that the bank absolutely requires (regardless of which bank). Regarding funding, I inquired. There is funding for rural areas where you can get up to 30%. But that is not an option for us. The requirements were already so absurd from the outset that even with a 30% waiver, you would have paid more for the entire project.

... There is funding available for rural areas where you can get up to 30%. But that is not an option for us. The requirements here were already so crazy from the start that even with a 30% waiver you would have paid more for the entire project.

That is absolutely no rarity; "waivers" or funding are not given for free, as many assume. Most of the time it is just a "band-aid" to somewhat cover the disproportionately high investment costs. However, one should always look at the overall context: investment, funding, operating costs. That is considerably more difficult (complex) than generally assumed. Sometimes funding does make sense, but basically not in every case. One should take a closer, more detailed look ;-)

As already mentioned, I have a carpenter as a friend and also a structural engineer among my acquaintances whom I ask. It is about the fact that I would have to hire an external structural engineer who costs quite a bit of money. If I can save that, I will do so. Structural engineers are by no means unnecessary, that is not what I meant. But if you actually don’t need one, it is something to consider.