Once again a payment plan

Hello,

I am currently planning my new own four walls.
At the moment, I have an appealing offer from a GÜ. So far, this company has made a very good impression and is also willing to accommodate change requests in the contract.
I have been thinking for a long time about how to adjust the payment plan so that it is fair for all parties.

This is how it stands in the current offer:

The following payment plan applies:
2.0% after completion of the building application or building notice
11.5% after completion of building drainage, base/foundation
13.0% after completion of the exterior walls and interior walls on the ground floor without cladding
12.0% after erection of the roof truss
9.0% after completion of roofing and plumbing work
9.0% after completion of cladding without window sills
3.5% after installation of windows and exterior doors
(without sealing and fine adjustment)
5.0% after completion of drywall rough installation
5.0% after completion of electrical rough installation
5.5% after completion of plastering
4.5% after completion of heating rough installation
4.5% after completion of drywall
4.5% after laying of screed
2.0% after installation of interior doors
2.0% after completion of heating and sanitary installation
2.0% after completion of electrical installation
5.0% after defect-free handover to the AG

A short info about the construction:

Detached single-family house approx. 190 sqm living area. Plus double garage or cellar
Solid construction and brick veneer
Kfw55 efficiency house
Rather upscale fittings

The following points give me headaches based on experience:

In response to an inquiry about how high the credit for the entire electrical work would be, I was told that the GÜ has costs of about €8,000 gross for it. In the payment plan, I pay significantly more for electrical work.

2% for completion of heating... from my point of view is far too little. The heat pump and the deep drilling alone should exceed this amount.

Now I hope for suggestions on which levers I should/can still turn. My wish would also be to have a final installment of at least 10%.

Thank you very much in advance.

Hello Tunk

I can't imagine that any (serious) provider would agree to a final installment of 10%. That is quite a lot of money...

Otherwise, I find the payment plan very detailed. In my (not very conclusive) assessment, it is also quite good. For example, you have paid 60% upon completion of the shell construction. That should be okay.

But other users here can certainly tell you more precisely

Best regards
Micha

Hello Micha,

thank you for your answer.
That I counted 60% at completion of the shell construction, I have already noted positively. But as an example:
When the screed is in, I still have 11% of the total amount outstanding and no tiles, no painting, no heating (heat pump with deep drilling), no sockets, etc.
I do not believe that the construction company is still in advance at that point.

Therefore, I hope for help to narrow down the point from when I am approximately in advance.

Hello, is the probe drilling for the heat pump included in the total 6.5% for heating/sanitary? In our case, this was not the case due to uncertainties regarding the soil conditions. An €8000 credit for electrical work is too little for a house of this size. Especially with upscale equipment. Our [Gü] accommodated us there. Since I carried this out myself and justified it by saying that I would install it at a higher standard anyway (partly EIB installation, more sockets than specified in the [BB], etc.)

Hello pre-consultation,

yes, the 6.5% includes everything related to heating and sanitation.
For the electrical trade, I kept the standard, hence the €8,000. I will probably remove the trade and contract an electrician I trust with the KNX installation.
That is why I didn’t even start to ask for surcharges for any additional electrical work.

My idea so far was to reduce the 2nd to 4th installment to 10% each in order to then apply slightly higher installments towards the end.

I don't understand the reason for the postponement. Does it have something to do with the financing?