Land in sight, is house construction financially possible?

If you have a specific house in mind now, definitely check the construction performance description to see what is included in the offer. Based on experience, there are considerable additional costs for the QNG certification, as each house has to be certified individually. The foundation slab will also not be included; I didn’t see it on your list. There are also soil reports and surveying work to consider. House connections, fees for the building application, final measurement, and possibly builder’s liability insurance and construction performance insurance. That’s what comes to mind right now.

Thank you for that! Very helpful! :)
The foundation slab is included; only the insulation for KFW40+ costs extra. QNG certification apparently doesn’t add up that much with serial production. Members in the Hanse Haus forum describe 3000 euros. How is it with the soil report in new development areas—does every builder really do their own for their plot?
Surveying work "in general" or surveying of the plot? The latter is included in the property price.
Builder’s liability insurance and construction performance insurance are good points; I will look into those again as well.


The standard in Hamburg is supposed to be quite good; my brother-in-law built with them and came through well… the house, at under 130 sqm, is no palace.

And please be careful with the promotional loan. Make sure to check exactly whether you and the house really meet the funding conditions. Nothing worse can happen to you than having signed contracts and then suddenly not getting the loan after all. It can be important to negotiate appropriate withdrawal rights for this. And a bullet loan naturally means that in 10 years you will have to somehow refinance the 190,000 EUR. That is a corresponding risk in case interest rates rise, and apart from that the rate will increase significantly all of a sudden. You should consider that.

Thanks to you. As I read it, we meet the conditions, because only previous tax assessments are relevant and the number of children counts at the current time. The houses in serial production are explicitly advertised with this.

Thanks for that! Very helpful! :) The base slab is included, only the insulation for KFW40+ costs extra. QNG certification supposedly isn’t so expensive with serial production. Members in the Hanse Haus forum describe 3000 euros. How does it work regarding the soil survey in new development areas, does every builder actually get one made for their own plot? Surveying work "in general" or surveying of the plot? The latter is included in the plot price. Builder’s liability insurance and construction performance insurance are good points, I’ll also look into those again.

I’m currently at a similar point. A soil survey has to be done for every plot. I definitely have it done by an independent party so that there isn’t an extra charge for additional foundation work based on a report from the person who then collects the money for the additional foundation. By the way, I would definitely budget another €10,000 for construction supervision and acceptance and contract review.

I am currently at a similar point. A soil survey must be done for each plot of land. I will definitely have it done by an independent party so that there is no additional charge for deep foundation based on a report from the person who then collects the money for the deep foundation. By the way, I would definitely allocate another €10,000 for construction supervision and acceptance as well as contract review.

Thank you, also very helpful information. That's a lot of money regarding construction supervision and such. Who exactly does that? Are you building solidly with individual contracts for the trades or also timber frame prefab construction with a general contractor? I wonder if the latter would be cheaper.

+Outdoor area, construction water, electricity 20000 (we will do the garden ourselves, I can do the paving)

What do you consider part of the outdoor area? Garden house, carport, patio roof? Terrain modeling? Retaining walls or other slope reinforcements? Don’t underestimate what adds up in total. It’s best to calculate it properly once: x sqm paving at y€ plus substructure, x meters splash protection at y€,...

Sample credit 5000 euros

Is rather tight. Most manufacturers charge a lot for each socket, you might want something with an extra charge for the floor, bathroom sampling is the new kitchen. 5k is spent super quickly. The most dangerous thing in planning is too much optimism regarding your own frugality. Make your wishes clear and study the building specifications carefully beforehand.

and construction performance insurance are good points, I will also look into those again.

I just did it: depending on the deductible, construction performance insurance costs 77 cents (500 EUR deductible) or 82 cents (250 EUR deductible) per 1,000 EUR construction sum with Gothaer for me, and builder's liability insurance is a one-time cost of about 325 EUR with DEVK.

Regarding the QNG topic: what exactly do you want to do yourself again? That is extremely dangerous! The limits increase occasionally and with QNG you only need to use the wrong silicone during self-performed work and it can ruin your values during the air measurement... My energy consultant advised against calculating with QNG for any self-performed work... I can't judge whether he is right because I am not an expert. I just want to give you a warning: be careful! Especially with the costs for the calculations by the energy consultant, what is included and what still comes extra after the final inspection for the BnD certificate and the tests for it...