Difference in ancillary employment costs between existing property & new construction

But it also reduces the value of the property within the scope of financing and can lead to paying multiple times more interest due to worse conditions than what you save through the property transfer tax.

Why does that reduce the value?

Selling price property = 500,000

Option 1 = Selling price in the notarial purchase contract = 500,000

Option 2 = Selling price in the notarial purchase contract = 450,000 + 50,000 inventory

In option 1, the bank uses the collateral value of 500,000; in option 2, 450,000

-> worse loan-to-value ratio -> worse interest rate

Very simplified

correct. Of course, you always have to keep in mind that the bank ultimately makes its own assessment through an appraiser. But you never know what will come out in the end. However, if you already list the inventory separately, you can be almost sure that the bank will at least deduct this amount.

In any case, thank you very much for your answers!