We don’t want to increase the repayment rate yet, as we want to stick to our desired rate. After all, we still want to be able to live.
Did you not live on a salary before? I’m sure that even with a higher rate, you can still go on skiing holidays, etc. Please keep a household budget book or at least a comprehensive listing of all your expenses. You will never be able to increase the rate as easily as you can now. Once a certain standard of living (vacations, cars, hobbies) has set in your mind, you won’t be able to reduce it again. 1% repayment is simply too little.
Incidental construction costs such as construction electricity, construction water, earthworks, and foundation slab are included in the builder’s offer. In addition, they work with a fixed price guarantee until completion.
The devil is always in the details here. For me, construction electricity is included too, except for the thousand (hopefully only one) that the hotboy charges for heating the screed. What about surveying? Soil report? Construction road? Crane site? Porta potty? And so on. What about tiles and floor coverings? Those are always limited to a certain budget, e.g. tiles up to €30/sqm. Then the risk is on you if the €30 tile is actually sold for €50.