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Let's be concrete: what are things that a layperson can present to an HB and how does a layperson determine that the HB has no clue?
If he does not perform a room-by-room heating load calculation as a planning basis, he has no clue. Because without this it is impossible to correctly select the dimensioning of the heat pump. This in turn leads to too high acquisition costs and uneconomical operation. Furthermore, the mentioned specimen exposes himself by the statement that it would then run constantly at full load. joedreck has already written enough about this.
It’s easy to say beforehand that one should inform oneself, but about what exactly? Reading individual cases where the framework conditions are unknown and maybe not even comparable? Also statements from partly laypeople who, apart from a strong opinion, have neither many years of experience nor appropriate training?
Of course, assumptions are made in forums. If the OP does not reveal that he has restrictions that prevent deeper drilling, one is surprised about the stated price. Otherwise, you should rather ask yourself what you want to expect from forums and whether this can be a suitable source of information for you. You intend to buy a heating system worth 25-35K€ (in your sums more likely the latter), but you yourself have no clue and you do not want to trust the free sources (such as this forum). Then the only option is to spend more money to have the first service provider checked by the second.
Seriously, that someone in the forum said that this is nonsense and HBs have no clue about the subject?
Then just read elsewhere. Buffer tanks for heat pumps are nonsense. First, there is already a huge buffer in the form of underfloor heating and hot water storage tanks. Second, a heat pump only works efficiently at low temperatures; hot water preparation (45°C, sometimes higher (bad!)) is therefore not its strength. Therefore, keeping a lot of hot water makes no sense.
And please be a bit more concrete than "all HBs" have no clue when buffer tanks are planned and "inform yourselves." And very much with sources or verifiable statements from experts, because otherwise it is a single opinion of a layperson who at best knows his own property, which stands against the opinion of professionals with experience from many other projects
No words. Where do you live?! No one owes you an explanation. You consume here because you yourself have no clue and reluctantly want to do research yourself. Take the free help or not, but drop your demands.
whereas the latter also has to guarantee that the place will be warm later and stay warm
FEEAAAR!! And how much is this guarantee worth? Conduct a survey here on how long it takes a new building resident to notice that his heating has failed at all. Perhaps the wooden house resident notices it due to lack of storage mass, who builds massive needs many, many hours until it becomes noticeable at all.
Where do you get them from? Surely not from the HB who has no clue anyway because he disqualified himself with his full-load statement? TGA planners? Many people (architects, HBs, surveyors and also TGA planners themselves) say for single-family houses that this is like using a sledgehammer to crack a nut?
You can also buy them isolated on the internet. Costs about 200€. Some do it themselves as well.
So how does the prospective builder get a “reasonable plan,” who carries it out and how does he recognize that the proposed solution is reasonable? What are the criteria for such a reasonable solution?
Reasonable plans can be recognized by comprehensible planning approaches. Sentences like "always done that way," "that’s fine," or "better a bit more" reveal that no planning took place. A leads to B leads to C. If the HB can only name C without describing the path to it, he did not plan but guessed. Just ask why the heat pump should be 12kW, like Hotzenplotz. If you only get "yes, it has to be so for the house size," then he disqualifies himself.
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I have new information. The air heat pump is supposed to cost €8,000 more than the ground heat pump. Therefore, a ground collector solution is now recommended instead. That should be about the same price as the ground heat pump and include the same device, if I understand correctly.
This is getting better and better. 8K€ extra. Yes, an air-water heat pump, i.e. just the device, is more expensive because the outdoor unit is included, 1-2K€. Then a little for the pedestal on which the outdoor unit stands. Total 8K€? No way. That much costs the entire heat pump (online price, admittedly)!
Whether drilling or ground collector is completely irrelevant for the heat pump. Exactly the same device, only a different heat source.