So, first conversation with VBH... was pleasant, almost 2 hours, some things I already knew, some new things... of course, costs were also discussed there. At least I found it very positive that they didn’t even ask about the budget or equity. I had been with Massa Haus before, and the second question there was how much equity I had... I don’t like this "backwards planning." I prefer to know what "my wishes" cost – I can always downgrade later.
The man yesterday roughly calculated the following:
House according to price list (here an example house): 360k
Earthworks: 20-25k (he had the general report of the building area available)
Basement including ventilation, underfloor heating and raising to 2.33: 120k
Connections: 12k
Sample selection: 15k
Electrical sample selection: 15k
Authorities: 1.5k
Kitchen: 25k
Painting work: 10k
Floor "upgrades": 10k
Electricity & water costs: 3k
Surveying: I forgot to note ;)
Garage: 40k (this might be cheaper elsewhere?)
Garden landscaping: 30k
Moving: 3k
Miscellaneous: 10k
Total: 680k
Do you have any comments on this? This roughly corresponds to my previous idea... if you then also plan a 10% buffer, do you think you are well on track? As I said: I just want to roughly know what I’m getting into and not plan "completely wildly"... if the buffer eventually needs to be a bit bigger, I would increase the equity accordingly instead of refinancing.