Deficient architectural performance, delayed start of construction

Joedreck, it does not say anything about force majeure or any other restriction. The question is how illness-related absences, allegedly 4 out of 10 employees being sick long-term, would be assessed legally.

I only finalized my financing 3 months after signing the contract. I already had an approval. For you, it will be a learning experience.

But it can also go wrong.... In my opinion, you should only do this if you know 1000% that the financing will work.

Even if it doesn't help you now. For this exact reason, I waived a combined land+house financing and accept that interest rates have been rising since the beginning of the year. In 4 months, the building permit will be ready, and then the house financing will start.

However, with your conclusion, you got a loan up to 0.5% cheaper than mine. That definitely amounts to more than €10,000-20,000 in interest savings on €400,000. Maybe it's better to look at it that way. Of course, assuming it doesn't ruin your financing right now.

But it can also backfire.... In my opinion, you should only do this if you know that a financing will work 1000%

I have a written confirmation from the bank.

I chose 12 months provision.

Otherwise, many thanks for the feedback.

If you have a good relationship with your house bank, you can also have the financing amount paid out to a blocked account. Then the financing in full amount starts immediately, even if the house is not yet built...