Is financing possible with ING?

Well, if you earn in our field now, then at least by having saved beforehand. We have always wanted to build a house and therefore saved up 200k. That reduces the risk for the bank extremely and that's why we also get a loan.

Besides, many of our friends are building tiny terraced houses with 105 sqm on 230 sqm plots with the simplest equipment. You have to be able to afford things like a fireplace and increased room height first, and that would already save 10k.

I just pointed out the VAT to my husband, he said we contractually agreed that it is a fixed price and 16% remains. But of course we will check the contract again.

I just pointed out the VAT to my husband, he said we contractually agreed that it is a fixed price and 16% remains. But of course we will check the contract again.

LOL. Do you really think the company is willing to give away 3%? That is 20% of the planned profit. Comparable to a lottery win. At least in terms of probability. I don't know anyone who does that – at least the company is obliged to charge 19% VAT on the invoice next year. Fixed price – yes, but with the respective valid VAT, which is a pass-through item for the company.

The 16% cannot stay at all, your builder doesn't have control over it himself. And he certainly won't give you the difference as a gift.

LOL. Do you really think the company has 3% to give away? That's 20% of the planned profit. Comparable to a lottery win. At least in terms of probability. I don’t know anyone who does that – at least the company is obliged to add 19% VAT to the invoice next year. Fixed price – yes, but with the applicable VAT each time, which is a pass-through item for the company.

I’m not saying anything. It’s not my statement and not my wishful thinking. I just find it difficult and associated with immense effort to explain every single item to everyone and preferably provide proof. If I say it is so, then I haven’t made it up, but taken it from the contract! It’s very helpful when certain things are pointed out so we can double-check them… but phrases like “LOL” and “Do you really think so” are not helpful, rather time- and nerve-wracking. I believe what I see with my own eyes in the contract. Moreover: since I myself work in the advertising industry, I know exactly how little value marketing promises have, but the company also advertised with the VAT applicable at the time the contract was concluded (which doesn’t necessarily mean anything, but if it is stated in the contract as such?) In my opinion, this discussion need not take place, right?

What if next year the VAT is increased to 21% or even more? That is an incalculable risk for every company. The only thing he "guarantees" you is his net fixed price.

Sorry, you are pretty naive.

This discussion does not need to take place in my opinion, does it?

What discussion is supposed to take place? You approach the matter naively and anyone who points out that there is a catch hidden there is labeled as unconstructive. If you think you know better because everything is in the contract, then you shouldn’t have asked for our opinion 13 pages ago. You want to build cheaper than everyone else here in the forum. And not even €50 per sqm, but between €500 and €1,000 per sqm. That would be like suddenly getting an S-Class at the price of a Golf. You’d ask about the catch there too. It is of course clear that you will only get the cheapest equipment. I mean cheap, not affordable. That’s not bad, you just have to be aware of it. And you shouldn’t fool yourself into thinking that the costs will stay that low. They can’t be maintained even when cheap.