Maybe a bit off topic, but I keep noticing this. Why does everyone always plan for new furniture right away when the house is still to be built? Kitchen, okay. But does it always have to be a completely new interior?
I assume that most homebuilders are not exactly 19 years old and therefore already have furniture in their previous apartments/houses that fits their age, taste, income, etc. Or do you all seriously still have your futon bed from your childhood room? ;) Then I could understand that moving into a new house also means getting new furniture. But before I treat myself to a new wardrobe, sofa, bed, etc., which apparently was good enough for the last few years, I would rather keep that amount as a buffer or use it as equity or something else. We’re now, 3 months after moving in, deciding what to buy new, but we have the construction and the hard-to-estimate costs behind us and know what we can afford now, and after the build we know that we planned well and nothing unforeseeable happened. But you don’t know that beforehand. It’s not such a big deal with the OP, but you often read that the financing is tight, yet the whole house should already be nicely furnished new. That often doesn’t make sense to me when it says 30k planned for new furniture but 100% financed...