Kfw40, funding program 300 "low-income earners"

Well, deviations have been made in masonry, windows, and insulation in material and/or dimensions or other properties from what the contractor installs as standard (i.e. with the largest series experience"). The 11ant stone mantra even recommends not deviating from this line at all in order to get the most reliable product in the series.

That means also this, i.e. they usually do not install the controlled residential ventilation as standard - how rarely (proportionally) exactly? The "ventilation concept" is already quite often an essential part of the EH40 overall measures, especially with the Steiners.

Ok, I understand. Thank you very much for the explanations

I honestly don’t know how to respond to this ignorance anymore.
There is an incomplete budget plan, you point it out, and the missing savings rate for new car purchases is explained by saying that only one car is needed now.
Inspections, maintenance, and repairs are also not included in the calculation.

And even if food for €500 is still manageable now, as soon as the child receives money for meals at school, it will no longer be enough.
Important items are also missing from the living expenses. But I won’t list them, because that’s homework for those who are fooling themselves with naive calculations.
If the child is growing, €20/month is barely enough just for shoes (rain boots, snow boots, indoor shoes, sneakers, sandals, etc.) just for the child. You can’t even come up with the argument “we buy very little.” I don’t believe you that you darn the holes in the socks yourselves.

These are the costs we were given from the general contractor

It’s the same with additional construction costs: calculate them yourself instead of trusting the general contractor, then you have a realistic overview. If the general contractor lists the real intimidating costs at this position, he will only sell half as many houses or sign only half as many contracts because many will then be confronted with the real house construction costs before signing the contract.

Additional construction costs (e.g. utility connections, soil surveyor, construction electricity, etc.) €5,000

If you have to run the construction dryer for the screed for 2 weeks, then the €5,000 is almost gone.
Most also roughly pay about that much for surveying. Rainwater connection, cistern, you can roughly estimate another €5,000.
No updates planned? Then will 2-3 sockets in the study be enough? You can do that, but nobody actually does.

The construction cost offer includes earthworks and foundation slab and also soil survey, etc. So with the additional costs, only the electricity and water connections were left.

Then look properly into the scope of work: 30 cm maximum earthworks or stripping of topsoil?! But you need 80 cm! And that doesn’t even include the removal or distribution or disposal of the soil. It is just stored on the property. Removal costs several thousand euros as well.
... And I hardly know anyone who hasn’t already spent their buffer of €20,000–30,000 on these earthworks or reinforcement steel in the foundation slab.

And then:
€20,000 for 40 instead of 55
€12,000 for photovoltaics
€53xy for energy consultant

€40,000 for KfW40... but this is supposed to pay off with interest savings/subsidies ;). I’ll put it this way: I always buy gourmet products in the supermarket because they advertise with 20% off, but since I do that, I don’t have any money left for the basic groceries.
The money doesn’t increase just because additional costs are discounted or subsidized. Period.

Garage as own work €17,500

... and because you practically get the money for free, you also want an exclusive garage for a staggering €17,500. Not bad, the woodpecker. I tell you: you have most likely already spent that money on necessary things after the shell construction.

Monthly KfW rate €469.03, ISB €758.33 total: €1,226.06

Golden numbers look different. With an additional loan to cover the now incomplete calculation, you’re looking at €1,400/€1,500... Then factor in ancillary costs for the house like garbage, sewage, building insurance, etc. There won’t be any buffer left for life, like repairs or replacement purchases or missing items such as hobbies and the child. That then has to be covered by the side job. Or you just work more. Mom will support it anyway.

Shall I be honest? We’re building the EH40 to get the .

It’s no shame to do it that way.
But the only thing I rate positively is the equity. Overall, it’s not enough for the bright star in the sky, but more for some grounding. But: if you don’t want to listen, you have to feel it.
10 years ago, you needed about €4,000 net for a down-to-earth single-family home, since last year it’s about €5,000. Okay, you have somewhat less than average living space, but overall it still doesn’t fit.

You should actually do a projection yourself with the items: both for living costs and house costs.
Why didn’t you post the scope of work here now?

To be honest, I don’t know how to respond to this ignorance anymore.
There is a flawed budget plan, someone points it out, and the missing savings rate for new car purchases is explained by saying that you only need one car now.
Inspections, maintenance, and repairs are also not included in the calculation.

And even if food for €500 is doable now, as soon as the child receives money for meals at school, it won’t be enough anymore.
Important items are also missing in the living expenses. But I’m not going to list them because that’s homework for those who are fooling themselves with naïve calculations.
If the child is growing, the €20/month barely covers shoes (rain boots, snow boots, indoor shoes, sneakers, sandals, etc.) just for the child. You can’t even use the argument “we buy little.” I don’t buy that you patch your socks yourselves.

It’s the same with incidental building costs: calculate it yourself instead of trusting the general contractor (GU), then you have a realistic overview. If the GU lists the actual discouraging costs in this position, he will only sell half as many houses or sign half as many contracts, because many would be confronted with the real house-building costs before signing.

If you have to run the construction dryer for the screed for 2 weeks, then the €5000 are almost gone.
Most pay around that much for surveying anyway. Rainwater connection, cistern—you can roughly calculate €5000 there as well.
No updates planned? Then will 2-3 sockets in the study be enough? You can do that, but you wouldn’t.

Then take a proper look at the scope of services: maximum 30 cm earthworks, or removal of topsoil?! But you need 80 cm! And that still doesn’t mean the soil is hauled away, distributed, or disposed of. It’s only stored on the property. Hauling it away also costs several thousand euros.
… And I hardly know anyone who hasn’t already spent their buffer of €20-30,000 on these earthworks or reinforcement steel in the foundation slab.

And then:
€20,000 for 40 instead of 55
€12,000 for photovoltaics
€53xy for energy consultant

€40,000 for KfW40 … but that’s supposed to pay off with interest savings/subsidies ;). Let’s put it this way: I always buy gourmet products at the supermarket because they advertise with 20% off, but since I do that I have no money left for basic foodstuffs.
The money does not increase just because additional costs are discounted or subsidized. Period.

… and since you basically get the money gifted, you also want an exclusive garage costing a whopping €17,500. Not bad at all. I assure you: you have probably already spent that money after the shell on necessary things.

Golden numbers look different. With an additional loan to cover the now incomplete calculation, you’re at €1400/1500 … then house ancillary costs like garbage, sewage, building insurance, etc. need to be planned in. Then there’s only a small buffer left for life, such as a repair or replacement purchase or the missing items like hobbies and child. That then has to be covered by a side job. Or you just work more. Mom will surely support you.

It’s no shame if you do it that way.
But the only thing I rate positively is the equity capital. Overall it’s not enough for the bright star in the sky, but rather more for down-to-earth footing. But: those who don’t want to listen must feel it.
Ten years ago you needed about €4000 net for a down-to-earth single-family house; since last year it’s about €5000. Sure, you have somewhat less than average living space, but overall it still doesn’t add up.

You should actually do a projection yourself for the items: both living costs and house costs.
Why didn’t you upload the scope of services here now?

I don’t know what that has to do with ignorance. I just wanted to present our roadmap here for other interested parties. But that is probably the reason why such “ordinary people” with simple lives who really have so few expenses find this here.

The connections and cistern are already included in the price. I didn’t upload the scope of services because it’s over 20 pages.

Maybe we’ll fall flat on our faces. But what’s the point of writing things like that here, Mr./Ms. ypg?

Hi,
I'm more of a quiet reader, but maybe for the author for comparison (Offer from 19.12.2023). We are currently planning ourselves.
Construction power in our calculation (solid construction): 5500 euros for construction power and 12000 euros for the supply connections (electricity/water/internet). (Of course, it depends on how far the connections need to be laid per meter). In Schleswig-Holstein, for example, gas connections are not offered in some towns, which of course reduces the costs a bit. (Excluding the additional costs for the alternative heating method).
The soil survey costs already 1,000 euros, or was that included? (Sorry if I missed that).

I wouldn't immediately assume ignorance, rather someone simply believed the general contractor, or it is really described in detail in the draft purchase contract?

Note: Of course, one should not blindly trust the "seller"... but that is probably why the creator is in the forum :-).

Means?
oh yes central ventilation system is also still included in the 20,000

The bill will never turn out differently in the end..