How to proceed correctly? Some confusion/time pressure

Hello,

now that things are becoming more concrete with the plot of land and we were able to reserve it from the owner for the moment (a total of 14 days), I am having some trouble getting some structure into our house construction project regarding the best way to proceed. Maybe you can help me a little or at least reassure me.

Current situation:

[*]Plot on a slope (buildable according to $34 Baugesetzbuch) reserved, purchase price still to be negotiated.
[*]Our preferred building supervisor has now requested the "electronic surveying data" (??) from the building authority to check how it can be best built. We are waiting for a reply as the building authority is short-staffed due to holiday season.
[*]So at the moment there is no building proposal, building plan, or anything similar based on which the house price + ancillary construction costs can be estimated.
[*]In order to pay for the plot and build a house, we need a loan. Here I see the chicken-and-egg problem. Because banks want a cost breakdown for the plot and the house.
[*]Offers for shell construction, basement, etc. can only be obtained with the finished plan. This will probably take weeks (guess!).
[*]A separate loan just for the plot, I think, is not sensible, and it is repeatedly advised against here in the forum (rightly so).
[*]We were at a representative of Dr. Klein on Friday regarding an inquiry and still have two appointments this week at our local banks for preliminary inquiries with estimated costs for the house (plot + ancillary costs are almost fixed).

My head is really spinning at the moment, and I don’t really know how to start. We now have about one week left for the plot (possibly there is an extension), but then the purchase contract would have to be drawn up, notary, etc., but the approved loan is already necessary for this, and here I see a serious time problem.

I would be very grateful for tips on this!

Regarding 6.: No, that is definitely possible and can even make sense.

Otherwise: Talk to your bank about what is financeable. You don't need details of the planned house for that.

If time is tight and you are relatively sure that it is the right plot and that it can be sensibly built on: have the purchase contract drawn up – you gain time (which, however, costs).

You are building a house, nothing should be done in a rush here! Stick to that because later it will cost you not only nerves but also money.

You could have also gone to the land registry office in person, it didn’t take me more than 5 minutes and I got the data.

What surprises me, though, is if you have reserved, you can make a binding commitment and pay a deposit if required. The notary appointment will be in a few weeks anyway.

Did you have a conversation with the bank beforehand about what is possible?

What do you earn approximately? There are plenty of examples here in the forum of what is theoretically possible.

Sign the purchase contract (if it is your dream property) and date the handover and payment to, for example, December 19th :) The prerequisite, of course, is that there are no obstacles to a loan.

We bought our property with a variable loan. It can be terminated every 3 months to be replaced by the final loan.

Of course, this only makes sense if you are sure about the property.

Hello,

thank you for the answers!
We are aware that nothing should be rushed, hence the questions here.

It would be our dream property, but during the viewing with the future building supervisor, we realized that it is very narrow and that the neighbor’s house (no garage) is built right up to the property boundary (I have shown this in another thread here in the forum).
During this inspection, the building supervisor told us that he would first like to see the survey data to avoid “impossible construction” that could also be expensive due to the slight trapezoidal shape. He wanted to clarify this.

Since both contacts at the land registry office were on vacation last week (yes, my contact there and their substitute as well :O) we had to wait until this week.

We know what is affordable, we have already been to Dr. Klein and also have an appointment with the local bank this Thursday.
The property is supposed to cost approximately €155,000 (250€/sqm, which is a bargain for the area here (usually 360-400€)). Since it is so cheap, we want to clarify a few more things beforehand.

The tip regarding the handover and a later date from is a good one, thanks!
Since construction will not start until next year even if everything goes perfectly.