Is financing possible with ING?

mh, but there's a lot missing. and what they "gladly" prepare offers for... Have fun.

mh,
there is a lot missing.
and for what they "gladly" create offers...
Have fun.

If you already state something like that, wouldn't it be logical at this point to at least give a few exact examples?

I've just skimmed through everything a bit...

So honestly, I’ll tell you, this forum discusses a lot of "unnecessary" stuff – as is normal when you’re anonymous on the internet.
Nonetheless, I have also taken away a lot of useful things here – there are always pros and cons in countless situations.

What I can also give you as advice:

You will definitely get completely lost and ruin yourselves. We searched for the right general contractor for us for over 9 months – compared dozens of prefabricated houses in 10,000 variations. I studied dozens of construction and service specifications day and night and compared everything. "On paper," I could probably sell houses right now. I can tell you: what you imagine will work 100%. I can’t even tell you exactly what it ultimately depends on, because the whole project is on the brink – it’s simply not possible.

You don’t have the financial means for it, the financing will eventually break your neck. The repayment rate is 0.0 realistic – 1% repayment? Come on...
In addition, refinancing is as certain as amen in church – the construction will never cost you as little as you currently imagine. You won’t be those in Germany who can build their house 40% cheaper than everyone else – in that case Town & Country (or whoever it is) wouldn’t make a single cent from it.

We haven’t even started building yet and assume that our costs couldn’t be more transparent (work of about 9 months and additional sampling appointments for almost all trades half a year before construction even begins :D) and still it probably won’t be enough to get everything perfectly transparent.

You, on the other hand, approach the project totally naïvely – I suspect you are the prime example of total over-indebtedness and ultimately a house sale.

At least take some things away from this forum – the thoughts don’t come from nowhere... Nobody here wants to harm you, but to protect you from a total disaster.

Why else would anonymous people in 100% majority tell you such things? There are certainly some "experts," or "experienced people" here who can simply say more about this or that. As I said, you can argue about lots of tastes or other stories – but in my opinion, your situation is not debatable. This is really doomed to fail.

Give yourselves more time with the project – start comparing, inform yourselves again very thoroughly about various things (just the story with VAT alone suggests that you simply haven’t dealt with the project thoroughly enough). Save for several more months/years – see if it all works – and sit down together again, build a house that is realistic and make sure you get more clarity about the whole project. There are simply like 10,000 question marks floating around, that’s because you’re getting stuck in something too quickly – you won’t get out of it that fast.

uh

If you already mention something like that, wouldn't it be logical at this point to at least name a few exact examples?

There is quite a bit. Read for yourself. Wherever it says "we gladly create an offer" or "through the builders" or something similar, it’s your responsibility. I’ve felt like I’ve read it at a dozen places.
Examples: base sealing, sealing of doors and exit window sills, surveyors in all variants, earthworks, etc.
Electrical is also a bad joke. You will need a lot of extension cords and power strips – or pay an additional €70 per socket.
Don’t overextend yourselves. Your builder can only cook with water too.

I just hope they tell you the whole truth. Acquaintances, for example, had no unexpected surprises with a prefabricated house either, but they had planned 20k for upgrades and generously calculated earthworks and incidental costs. And very good friends of ours had to scrape together the missing 50k from family in the end because the bank did not agree to additional financing. But maybe you don’t tell everyone that.

Yeah, when it comes to money, nobody tells the truth. Not even a civil servant, even though everyone could just look at the spreadsheet.

In the end, you have to convince the bank, not us, so maybe you don’t really care what we think.

It’s anonymous here in the forum, so mistakes are confessed too.

But mistakes are confessed quite rarely. How often do we warn here against buying or building too quickly, then exactly such a discussion comes up... then you don’t hear from that user for 2 years, and then they come back talking about a condominium because it “didn’t work out” back then. I also can no longer tell what exactly is included in the offer and what is not. These mysterious own contributions... you wonder if the father-in-law employs the plumber, painter, tiler, and staircase builder, why it wasn’t built by self-management. And I also can’t imagine the company is in such dire straits that he would release two employees for two months. Meanwhile, I can point to these listings. But beware, the first posts are partly from 2014/15. https://www.hausbau-forum.de/threads/liste-der-anfallenden-baunebenkosten-bauseits-teurer.9737/ Also here https://www.hausbau-forum.de/threads/warum-ein-hausbau-fast-immer-teurer-kommt-als-kalkuliert.16237/ The first three AAAabersss of the first three paragraphs: Road closures (if necessary) Waterproofing of the base during follow-up work Disposal earthworks

So I’ll honestly tell you, a lot of "unnecessary" things are discussed in this forum – as it is when you’re anonymous on the internet. Nevertheless, I have also taken away a lot of useful things here – there are always pros and cons in so many situations. What I can also give you as advice: You will definitely get completely off track and rush yourself into ruin.

Wow, I wouldn’t have expected that from you!

Wow, I wouldn't have expected that from you!

Whaaat? What do you mean? :p

That there's also a lot of "unnecessary" discussion here, or that I've learned a lot too?