New Single-Family House - Cost Calculation

Notary fees for the registration of the land charge are still missing, for example.

Did a thread here have a list of all incidental construction costs?

It's the missing buffer. None of the trades will cost what you have there, and none will be cheaper. With 20 trades, you have an average surcharge of 2000 each, then you have 40 more. 10 more as a buffer for unforeseen events.

It will happen that way, believe me

Strange. For us, almost every trade became cheaper, even if not by much.

For example, with the cladding, wall openings over 2.5 sqm are deducted, and bam, 1.5k less costs than in the offer. The roof truss required only 11.2 m3 KVH and not the offered 11.5 m3, and bam, several hundred euros saved again. Of course, it can also go the other way, but to say flat out that there will be approx. 40k additional costs compared to the offers is, in my opinion, extremely exaggerated. 40k can certainly mean a worse interest rate on the loan, which would not necessarily be required...

40k can certainly mean a worse interest rate for the loan-to-value ratio, which is not necessarily necessary...

You're right, I hadn't thought of that. It only makes sense if the loan-to-value ratio doesn't worsen significantly.

But you also have to weigh that against the fact that by making a special repayment of, for example, 30k€ because the capital is not needed, the loan is paid off faster than expected and less interest is paid.

Of course, what you shouldn't do then is use the rest to buy a caravan or a new car. My ex-boss did that, but he doesn't really know what to do with all his money anyway.

Your boss is probably old and it used to be said that a new house always comes with a new car. When my parents built [vor 20 Jahren], they were actually told that during all the financing discussions... and some neighbors really did it that way back then and financed more right away so that there would still be enough left for a new car in the end -.-

I did it the same way, ended up with a nice sports car and don’t feel old

Notary fees for registration of the land charge are still missing, for example.

Did a thread here have a list of all incidental construction costs?

But they are listed there?!