Is the general contractor payment plan acceptable? Thanks for tips

I would forgo the few euros, keep my reserves accordingly, and secure the financing *before* signing the contract, or rather, I have always done it that way so far. Security costs, but lack of security costs even more.

Since a planning contract is made first, in the worst case €20,000 is "gone". Although it is not really gone, since the building permit is valid for 3 years.

But I cannot arrange financing if I do not know the total sum. The bank will hardly accept an amount x split into:
- house costs
- incidental construction costs
- exterior facilities.

I have received the addresses of the individual trades. Once I have the floor plan, I will get in touch with them.

Phew, difficult matter. 20 K is already quite a bit in case the construction project fails due to financing. As I said: In our case, it was only 1800 EUR, and ancillary construction costs and outdoor facilities can be estimated approximately, but the house costs should actually be known before a design planning, which costs five figures. Of course, something can still change there, but hopefully not in a jeopardizing range.

Isn't there a possibility to get a house price without detailed planning?

Phew, difficult matter. 20 K is already a big deal in case the construction project fails due to financing. As I said: In our case, it was only 1800 EUR, and additional building costs and outdoor facilities can be roughly estimated, but the house costs should actually be known before a design planning that costs five figures. Of course, things can still change, but hopefully not in a dangerous range.

Isn't there a possibility to get a house price quoted without detailed planning?

We already have a house price including special requests like photovoltaic system, rainwater cistern, ceiling height 3m, etc. It is currently at €320,000 (house price only, without additional building costs). But a five-figure amount will definitely be added. Since we have sent a few changes regarding windows, entrance area including door to the general contractor. Also, the exterior walls are supposed to be decorated with some stones (women!!!). I have planned a total of €357,000. So there is still about €37,000 room to move upwards. However, I cannot submit €357,000 as financing if the offer states €320,000.

Well, then you do have your numbers. And yes, you *CAN* provide the 357 K. You should just break down what is included in there. (Boden, Wand, Aufmusterung Fenster, ...) This will then also be accepted – with a stamp from the architect – even by ING.

Well, then you do have your numbers. And yes, you *CAN* state the 357 K. You should just break down what is included there. (Floor, wall, window pattern, ...) That will then be accepted – even by ING – with a stamp from the architect.

And is that enough? Doesn't the bank need the general contractor's offer? Or a construction contract?

yes she needs it, but the amount does not have to correspond to the total amount of the construction costs. This is then a separate document where you additionally enter incidental construction costs and, for example, [Aufmusterungen]. This construction cost summary can also be stamped by your [GU].