Financing request - How many documents are normal?

I think that anyone who wants to borrow an amount of money equivalent to a decade's income must understand that this is no longer an "overdraft," but proof must reinforce the belief that the security created by this money will also hold its value. Risk against a pig in a poke is a trade in which you shouldn't be surprised if the guy on the other side of the table doesn't say "yo Man, it’s cool." It's a bit more formal than that. As I said: a national economy cannot be expected to constantly have to rescue banks.

Here in the forum, high earners are overrepresented.

Yes, in the sense that among normal earners, those more capable of self-awareness find their way to a flair without the "detour" through a forum, while the faction "the eyes are bigger than the mouth" must first laboriously bring their Jette- or at least Maxime-dreams down to the reality of creditworthiness. High earners are by no means "overrepresented" here: builders of the caliber , , or even , , or are actually somewhat less common in real life than they dare to put themselves and their projects in the spotlight of the envy society through forums.
I do not quite believe that the people who start class bickering here in the financing threads and shoot down others’ equity with the sharpest suspicion all have more dough / cash / bread / bucks / loot / money themselves.

I’m not talking about huge sums, but about, I don’t know, 5000€ that you keep as a reserve.

We definitely didn’t have a 5000€ reserve anymore. We really poured in everything we had.

Your assumption that the bank wants all proven equity to be included in the financing is wrong. In short: Yes, the bank usually wants you to disclose your financial situation (in other words, to "strip" yourself) - No, this does not necessarily mean that you have no reserves left afterwards.

But that is exactly what I wrote in several posts. I also proved the reserve and told the bank: this is reserve, I am not including this. See my post #71: When I was with the broker, I was told "feel free to also declare the money you don't want to include. It is good for the bank to see that reserves are still there." Or if someone wants to hold something back for the kitchen. That is where all the confusion came from, because someone here no longer knew how to handle it. The kitchen is not financed, but the bank wants all of his money as equity. By "stripping yourself" I meant that one includes even the last cent as equity.

But that is exactly what I wrote in several posts. I also proved the reserve and indicated to the bank: this is a reserve, I am not including it. See my post #71: When I was at the intermediary, they said, "Feel free to also state the money you do not want to include. For the bank, it is good if they see that there are still reserves."

Or if someone wants to hold something back for the kitchen. That is where all the confusion came from, because someone here no longer knew how to handle it. The kitchen is not financed, but the bank wants all his money as equity.

By "nackig machen" I meant that you also contribute the last cent as equity.

I believe this is a perfect example of how two people can talk past each other. You are of the same opinion

: Was that planned that way from the beginning with you, or did it result from unforeseen things?

I have not read the entire thread, but I can actually (from my own experience) recommend turning to an independent (reputable!) financing service provider. From my point of view, it usually goes much more smoothly, with better chances of success and often on better terms.

If you want to set up a prefabricated house anyway, there are usually fixed prices for the specific scope of services according to the construction service description.
In addition, an offer for the foundation slab + your own calculations of ancillary construction costs, outdoor facilities, etc.
This should normally be completely sufficient, even without the stamp of an external architect.

..... recommend turning to an independent (reliable!) financing service provider. From my point of view, it then (....) usually results in better conditions.

By the way, this is very, very often (actually always) a misconception – because the "independent financing service provider" may belong to a bank (example Interhyp / Ing-Diba) and therefore is not as "independent" as one might think, and/or lives entirely off commissions. Commissions that they can increase by selling customers (without their knowledge) markups on the bank’s standard conditions, resulting in the "independent financing service provider" selling the customer more expensive terms than those the customer would have received directly from the bank.

Therefore, in this case probably only one thing helps: compare, compare, compare. And in the end, finance where the package of service and condition is best and where you feel most comfortable.