Financing single-family house construction approximately 140 sqm

1.92% effective interest rate at a local savings bank. What do you have to do to get such dream conditions? I was told that I have to expect 3.2% (with 20 years fixed interest rate), or 2.8% with 10 years fixed interest rate for a similar loan amount with significantly more equity. Understand the banks.

Maybe it's because the post is almost 2 months old?

1.92% effective interest rate at a local savings bank. What does one have to do to get such dream conditions? I was told that I have to expect 3.2 (with 20 years fixed interest), or 2.8 with 10 years fixed interest for a similar loan amount with significantly more equity. Understand the banks if you can.

This is a mixed calculation from two different subsidies - which may no longer apply if we no longer get KFW300 because the 2025 budget is unclear. With twenty years fixed interest, the promotional interest rate looks accordingly like this:

26 to 35 years

20 years

1 to 5 years

3.11% (3.16%)

Well, if you look at Dr. Klein, you can see the interest rate development over the past year. There is little fluctuation. I think it's already good conditions to get below 2% for the total amount even with KFW300. On the other hand, with a mixed calculation of 3% for the bank loan and 1% for the KFW loan, you end up with an average of 2% with the corresponding shares of the loan amount.

So, after quite a bit of back and forth, we are now close to signing.
Do I still have major blind spots or are certain cost calculations absolutely off? We will lay out the garden ourselves at our leisure, and I have left the kitchen out of the calculation.

Turnkey house price including base slab and photovoltaic system including sample credit (15 months fixed price guarantee)

415,000 €

Plot (approx. 450 m²)

96,000 €

Earthworks/Excavation

36,000 €

Utility connections

12,000 €

Permits and surveying

6,000 €

Construction electricity and water

3,500 €

Grid framework

2,500 €

Road closure (if necessary)

2,500 €

Paving work

12,000 €

"Carport" with wood shed (primarily a wood shed with canopy)

14,000 €

Insurance + building expert (prefab house expert twice)

6,000 €

Unforeseen costs

19,525 €

Total costs

625,025 €

Transport, assembly, crane, mobile crane included
Work and safety scaffolding included
Waste container included
Construction site toilet included
Specialist site management included
Soil report included
Architect, building application, submission plans for house
Static calculations, construction plans, etc. included
Heat calculation and energy certificate included
Proofs and certificates for grants and subsidies included
Construction plan and execution drawings included
Technical documents, applications for water, electricity, telephone, sewage included

Turnkey = ready to move in? Or will flooring and painting still be added?

Turnkey = ready to move in? Or will there still be flooring and painting?

Included, parquet flooring will be upgraded on the upper floor. Otherwise, we mostly manage with the standard. Upgrading is also integrated into the house price with a small budget. The upper floor would still need electric roller shutters upgraded and possibly RC2 security. We are unsure whether this is needed on the upper floor.