Financing house construction is feasible

As far as I know, Scanhaus Marlow Marlow understands a turnkey house to be one without tiling work, wall and floor coverings. Is that the case with Scanhaus Marlow Marlow?

Regards Sabine

Many people certainly exaggerate the amounts here and there. With a bit of restraint in choosing fixtures and house size, a favorable region, and some luck in selecting the plot, you can definitely get the house much cheaper than many here predict. However, it must be said that it is not always easy to stay within the self-imposed budget. Especially in the area of plumbing, it is very hard to overlook the fancy washbasins and specifically choose the standard washbasin, and of course, the standard electrical equipment is often very sparse as well. Whether you really need 5 extra sockets per room or if one additional socket is enough is something everyone must decide for themselves. But these are things that you have control over. Then you notice here and there that some items are missing from the construction service description. If you haven’t looked at that closely beforehand, it can be quite a nasty surprise. For example, none of the construction service descriptions we looked at included a shower enclosure. And then there’s the issue of ancillary building costs, which are very hard to estimate in advance and depend heavily on the plot. Compared to many others here in the forum, we also built small and simple and paid relatively little ancillary building costs and live in the same region as the original poster. Therefore, I can quite well estimate what is doable and what is not. Always relying on no extra costs occurring for ancillary building costs and that everything is included in the construction service description would be fatal. You invest time, visit show houses, draw floor plans, mentally furnish the house, look for the right plot, only to realize that the budget is not sufficient at all. I find it more honest when people get grounded in advance here in the forum rather than being told by the financial broker, "The financing fits."

Yeah, of course I understand, especially when it comes to plumbing and the associated fancy fixtures. Obviously, you want it to be nice, otherwise there's no point in building.
I don’t worry about the electrical stuff, I’m an electrician myself, so that’s all good.
As I said, the house isn’t supposed to be a palace, small but definitely nice. Otherwise, the wife would have to do way too much cleaning [emoji23]
About the garden and terrace. If the terrace can’t be done right away during construction due to financial reasons, it’ll just come a year later. Same goes for the garden. We don’t want to move in and have everything around perfect.
If it looks like a lunar landscape for a year, it doesn’t matter, we just built it.
What personally worries me a bit are the potentially high incidental building costs.
But we’ll see.

Yeah sure, I understand, especially when it comes to the sanitary stuff and the fancy equipment that goes with it. Of course you want it to look nice, otherwise you wouldn't bother building.
I don't worry about the electrical stuff, I'm an electrician myself, so that's fine.
As I said, the house is not meant to be a palace, small but definitely nice. Otherwise, the wife would have to clean way too much [emoji23]
About the garden and terrace. So if the terrace doesn't work out right away during construction due to money reasons, then it just comes a year later. Same goes for the garden. We don't want to move in and have everything perfect around.
If it looks like a lunar landscape for a year, so what, we just built.
What really gives me a headache personally are the possibly high incidental construction costs.
But we'll see.

The only question is... from which money (considering your net income) do you want to pay for the terrace etc. a year later? Are you aware that terrace, driveway, some greenery, possibly a fence easily cost 20,000 EUR? And that's really not much..

Where do you intend to get these sums from? If I were you, I would first seriously save up equity... 20% or incidental construction costs etc. at least 50,000 EUR.

Topic garden and terrace. So if the terrace doesn’t work out right during construction due to financial reasons, it will simply happen a year later. The same applies to the garden. We don’t want to move in and have everything around us be perfect.

What many forget: if the financing is tight, where is the money for the materials supposed to come from within a year? The €20,000 from Steffen just for materials is certainly a bit exaggerated if you don’t necessarily have to stabilize a hillside plot, but I think we also invested €10,000. And you don’t exactly make yourself popular with the neighbors if the garden looks like a weed desert for years. When our shell construction had just been completed, the neighbors were already asking us how we imagine the property boundary. At that time, we had not devoted ourselves to the topic at all.

And you also need storage options for bicycles, strollers, garden tools, Bobby-Cars, etc. relatively quickly, especially if the house is not very big.