Documents for financial audit

Hello,
I have been reading in this forum for a while but now I have decided to register because I need your help and will probably need it in the future as well
We are planning to build in some time... Financing offers are initially running through Interhyp.
Now my question:
1. Interhyp requires a construction cost breakdown for the financing request. Although we have a written offer from the builder with the total price and the construction service description, we do not have a construction cost breakdown. What exactly is the difference???
(Builder says it is available once the bank gives their approval)
2. The plot is being bought privately without a broker (also through financing). What kind of proof of the plot costs do I need for the bank? Is a written offer from the owner sufficient or does it already have to go through a notary?
As mentioned, it is initially only about checking whether financing will be approved.
I appreciate any response
Best regards
Dean

From my experience, the construction cost breakdown in an offer from a general contractor/developer is relatively easy to prepare. Basically, you have to consider all expenses for the house. It starts with the purchase of the land, the associated fees (notary and land registry). Then the costs for the preparation of the building permit documents and the permit itself, etc. In the end, "other fees," "selection surcharges, house connections, etc." should also be calculated as a lump sum and generously. Then you have a realistic total amount. You then have to put the whole thing into a timeline. For that, you need to know approximately when the purchase price for the land is due, when which payments to the developer are due, etc. That was sufficient for my financing bank.

Best regards

I'm not entirely sure, but to the best of my knowledge, a notary must always be involved in property purchases. However, the offer from your seller will surely be sufficient for that.

The construction cost statement also includes costs that are not provided by the developer and are usually not included in the construction contract. In particular, the ancillary construction costs (e.g., surveying costs, construction electricity, construction water, excavation, soil survey, house connection costs, etc.) should be mentioned here. You should definitely be informed about the ancillary construction costs by the developer. With the construction cost statement, you have a complete overview of all expected costs.

A written purchase price confirmation from the owner is sufficient. However, you must also attach an uncertified land register excerpt of the plot to be acquired. Alternatively, you can have a draft purchase contract prepared by a notary.

Interhyp cannot make you a financing commitment. They only check which bank financing is possible. Your documents are then forwarded to a bank, and in the case of a positive evaluation, the contracts are prepared.