House construction planning process! When to make an appointment with the bank?

That is something else

Yes, overall I probably expressed myself too imprecisely there.

You need the building permit for the property loan. That's where I'm currently stuck.

With you... why, we don't know. I also consider that nonsense, because a building application is work that a general contractor or construction company should only do with a contract. @zipfelquatsch You can make a non-binding inquiry about what is possible with your salary. Accordingly, you plan the house, deducting exterior facilities and additional construction costs from the possibilities.

that is my question! We don't know yet where we'll end up with the house. I think around 250,000! But the bank probably wants something concrete right away, doesn't it, regarding construction financing?

Well, the price is definitely ambitious. Better plan for 50k more and at first, you'll only have a sand hill in the garden. Go to your house bank and to 1-2 brokers. Just call them and give them the current status, they also know that you don't build a house every few months. Get offers and post them here again so a few people can take a look. By the way, we were already at the bank about 2 years before construction started to discuss what is possible and which options are feasible. When it got more concrete, we had 2-3 more appointments where everything was finalized.

Well, the price is definitely ambitious. Better plan for 50k more and at first, you'll only have a sand hill in the garden. Go to your house bank and to 1-2 brokers. Just call and give them the current status, they also know that you don't build a house every few months. Get offers and post them here again so a few people can take a look.

By the way, we were at the bank almost 2 years before construction started to discuss what was possible and which options were available. When it got more concrete, we had 2-3 more appointments where everything was finalized.

We already know which bank we want to go to through several acquaintances who also had positive experiences there, also regarding conditions.

We don't know exactly how much equity we will put in. Definitely 30k.
How much does one plan for ancillary construction costs? Also 20-30k?

What might still cause problems with the bank where we are uncertain is our income. The plot is already secured and paid for. However, I am still studying and my girlfriend is a civil servant.
For security, my parents could still act as guarantors for me with other plots they own.
We are not quite sure whether the bank will grant us the home loan because of this!

What do you think?

We already know which bank we want to go to through several acquaintances who have also had positive experiences there, including regarding conditions.

No, please get comparison offers at least through an intermediary.

We do not yet know exactly how much equity we will put in. Definitely 30k.
How much do you plan for additional construction costs? Also 20-30k?

30k would already be the absolute minimum. It depends heavily on the plot. Take a look here at the .

Why plan a house if you don’t know whether you will get a loan for it?

Go to the bank, ask about the possible financial framework, based on which you plan the budgets. The other way around doesn’t make sense if you plan your dream house and then find out that you will get 50,000 less loan for it.

(btw: is it just me, or does it seem like the summer slump is filled with strange financial inquiries?)