Is financing possible with ING?

That was just a fictitious amount to increase our equity.

No, not fictitious. It was used as EL (financing component, method/lifesaver to replace missing money), so it must also somehow be paid. I think you don’t understand that. You don’t get this money. The bank will assume you pay it off as EL. Otherwise, there’s no house. The calculations were already done here by the men at the beginning. Maybe you should read it again. Calmly.

we agreed on that contractually).

With how much contractual penalty?

Everything you are not capable of doing in reality, you can do on the internet without punishment. Sad.

I find it sad that you punish the strength of this forum. Who goes home with a sack full of presents here? Who has absorbed more knowledge now and can later read and check everything again?
I know, the whole world is bad, and this forum anyway, can’t deliver anything, offers nothing but lies and irrational thoughts, only your bubble, which works and is rosy. Works, Jana... right?

Besides, what are the €48,000 here again? That was just a fictional amount to boost our equity capital.

You simply stated the €48,000 like that. You yourself say that it is a fictional amount. Banks react very negatively to that. They want an exact breakdown. Who does what for how much money, broken down into working hours and material costs. Depending on the trade, of course. You must have such a breakdown. If you don’t have it, every bank will have a problem with it. Just giving a fictional amount is the dumbest thing you can do. You’re even deceiving yourselves.

It may be that your husband can dig up and lay house connections himself. But then this item belongs on a list with required time, costs for renting the excavator plus material costs, and estimated cost savings compared to the purchased service. Only this difference counts as equity contribution. Do you understand? Make such a breakdown and you will be taken seriously. Taken seriously by the bank!

House connection: 8 hours work, €500 excavator rental, €500 material. Equivalent offer from civil engineers: €2000, equity contribution savings €1000.

Oh dear, this is really sad. So many people just want to help you and make it clear that you need to be careful and that it will be tight. Many, many different reasons were listed for this. You hardly accept any of them. Example: Your friend suddenly does supply connections himself. So, in all the construction areas I know, only the municipal utilities were officially allowed to do that and they also set the price for it. It would be nice for you if I were wrong, but just be careful and take another close look. Otherwise, this whole thing is really going in circles here. You got a construction service check for free and still snap at people who dig through it for 10 minutes BECAUSE OF YOU. Has anyone heard a thank you? As for me, I'm out of here.

Take the forum as the little devil on your shoulder (or little angel? No idea :D)
Especially when it comes to additional construction costs, we have also learned a lot here.

Also by reading such threads. Sometimes you then wonder what certain passages in the construction performance description really mean

House connection: 8 hours of work, 500€ excavator rental, 500€ material. Equivalent offer from civil engineer: 2000€, own work savings 1000€.

+8 hours reading what needs to be done ;)

+8 hours reading up on what to do

20 minutes of YouTube is enough.

The 48,000 was NOT planned by US but he did it and explained how it works.

He cheats the bank so that you even have the chance to get the loan. Then he collects his commission and afterwards it's YOUR problem. Real pro :rolleyes: