Good evening,
Preliminary planning: planning on your own at home without a construction company?! because you can´t sign a house construction contract without knowing whether you can even afford it?!
That´s why you go to the bank first and clarify your budget. "First" btw. means
before you even consider having a single conversation, let alone buying a plot!
somehow the kfw principle seems pretty badly thought out to me. why isn´t a kfw approval enough later, and if it´s rejected you just have bad luck with the bank (and take the construction company to recourse for it).
Oh man …
The system is not "badly thought out," nor can you take recourse against the CC. The CC can´t be blamed for the nature of your plot or your budget restrictions, to name just a few items that can run differently than planned.
The right way would be to design the floor plan with an architect or a CC you trust, and if everything fits—including the chemistry—sign the contract (after review). Include the clause: "
A free right of withdrawal is agreed if xyz is not achieved. Costs incurred up to that point (such as the building application or static calculations on the client’s request) are to be borne by the client." As a contracting partner of a mechanical engineer, I would have included in the contract that the smallest unit of measurement in construction currently is not a µ; that creates some leeway.
I have exact floor plan ideas. I know exactly what my house should look like; as a mechanical engineer, I have very powerful 3D tools available. Are such floor plans with indication of orientation and window size enough?! Of course including the building description and its specifications about insulation and so on.
You do know there is a difference between the profession of a mechanical engineer and that of an architect/statistician/geologist/mason, etc., right?
I want a very clear approval from the bank first before I sign anything.
You get that with reservation from most financial institutions; they are not from yesterday and know about the processes involved in building a house.
except that the construction companies work for free until this approval, I can’t imagine that.
Ask yourself whether you would work for air and love …
I would only have to pay the kfw expert beforehand
You only need the online form 153 if you want to use KfW funds. The CC of your choice will provide you with the form filled out once the contract is signed. Or you sign beforehand that you will bear the costs in the worst case, then it works without a contract.
(in case of bank rejection the expense would be lost), otherwise I would have maximum security?!
Security is always relative
Rhenish regards