@Michael: When exactly did you sign the contract with the bank? I mean during the entire planning process?
Quick answer: The financing with the bank was applied for and completed based on the first concrete offer from "our construction company." In this case, this exactly matched the later specification down to the euro.
In "long" our path to the house:
- Rough financial planning (equity, rough house costs, ancillary costs vs. income, other expenses, financing options)
- Verification of rough financial planning with an independent advisor. Confirmation that our rough planning is basically financeable under the personal conditions.
- Search and inspection of countless plots of land, plot found & reserved (some with builder binding were also among them, and they were quickly sorted out.)
- Initial talks with several construction companies, review of various catalogs & specifications, visits to different show homes/parks
- Determination of the "dream house" (what is mandatory equipment, how should the layout be?), discussion of various standard floor plans from catalogs => none really fit
- 3 concrete offers from 3 companies (each a standard house adapted to our wishes, size, layout etc. very similar) / talks to specify the offers
- Decision on the construction company
- Obtaining concrete financing offers
- Submission of financing documents
- Signing of financing documents
- Notary appointment / purchase of land
- Final negotiation of the contract / construction specification
- Signing of the house contract
Maybe also interesting: Overall, it took about 6 months from the first financial planning to the signing of the contract. And that, although we pretty much knew exactly what we wanted/needed and where (region). Unfortunately, 3 children's rooms and an office are not standard in German single-family houses, so there were not many suggestions for the floor plan beforehand.
And I would always do it exactly in this order again.
Best regards
Michael