House construction in Baden-Württemberg - Planner first or bank?

2018-01-13 12:40:43

These are more like ancillary construction costs.

I meant possibly required surveying costs of the plot of land in a new development area, not the surveying of the building itself. The same applies to municipal development. Both have nothing to do with the construction.

2018-01-13 12:41:42

It is a new development area. Development costs are already included in the purchase price.

Oh, with us the partial development only started after a year, and the rest will follow in a few years. Unfortunately, it’s not always included.

Do you want to have a soil survey conducted?

2018-01-13 12:42:39

Land costs:
Land price: €103,400.00
Discount for one child: €3,000.00
=Purchase price: €100,400.00
Property transfer tax (BW): €5,020.00
Notary costs (2%): €2,008.00

Land costs: €107,428.00

Paid in April 2018 by:
Equity: €77,428.00
Private loan: €30,000.00 (will be repaid immediately after taking out the bank loan)

Bank loan of €420,000.00
allocated to:
Repayment of private loan: €30,000.00
Construction incidental costs approx.: €40,000.00
Ancillary purchase costs approx.: €10,000.00
Basement: €60,000.00
Double garage: €20,000.00
Outdoor facilities: €15,000.00
Kitchen budget: €15,000.00
Furniture budget: €10,000.00
Buffer: €15,000.00
Would remain for the house itself: €205,000.

That means in my case I could basically strike out the €10,000.00 from the list here, right?

2018-01-13 12:44:03

I meant any necessary surveying costs of the land in a new development area, not the surveying of the building itself. The same applies to municipal infrastructure. Both have nothing to do with the construction.

I also consider these costs as incidental purchase costs. Also, for example, a soil survey, which is usually done to decide on the purchase.

2018-01-13 12:46:44

That means in my case I could basically cross out the 10,000.00 € from the list here, right?

I would put it as a buffer in the ancillary construction costs. Then leave out the kitchen and furniture, as these normally do not run through the loan. Save the equity capital for that.

2018-01-13 13:44:24

When building a house, there is no purchase contract unless you buy a house

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House construction in Baden-Württemberg - Planner first or bank?

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