L-Bank Z-20 limited residential area with basement

Can you not design the following rooms in any size?

Again, what are you getting at? What is the purpose of doing that?

Presumably circumventing some limits regarding funding or area figures.

Or does the bank act up if my heating room is 30 sqm?

Of course the bank will act up. A 120 sqm house with a 30 sqm heating room is worth 400k. A house with 140 sqm and a 10 sqm heating room is worth 475k. If, of course, you also have to cover the costs as living space and finance them, you will have a problem.

However, I also consider where your heating system really is. Because you have to build a 30 sqm room and put the heating in there. That’s how the plans have to be, the calculation of the living space and also the building permit. If you want to renovate later, you need a new building permit. A future buyer also wants to buy living space, not heating space (it could be that you need to sell soon due to divorce, unemployment or health issues).

And lastly, it’s simply subsidy fraud. Nothing more and nothing less. This goes far beyond the bounds of what is normal.

3) The living area does not include the floor areas of the following rooms: 1. accessory rooms, in particular: [...] Or does the bank get fussy if my heating room is 30 sqm? A traveling salesman in RLP recently told me that it is common practice to modify houses accordingly to make them eligible for funding.

Again, what are you getting at? Why should one do that?

Presumably to circumvent certain limits regarding funding or floor area numbers.

I suspect it’s about putting the "boiler" in the sports room / mancave and labeling the entire structure as "heating room" in the plan.

And ultimately, it’s just subsidy fraud.

For which, by the way, the dumb-talking salesman will not be liable.

And in the end, it's simply subsidy fraud. Nothing more, nothing less. That goes far beyond the bounds of normal.

I don't see it that way. With taxes, you also have an advisor who gets the best possible outcome for you. Nobody seems to complain about a 250cm basement with underfloor heating either.

In another thread, it was hinted how much heat an inverter gives off -> perfect for drying clothes. So a large drying and technology room is a nice idea to use the waste heat optimally.