Once again a payment plan

You don't understand the postponement of the payments? I would prefer not to make advance payments towards the end. This already happened to me during my first construction; then the insolvency occurred, and the heat pump was missing, and I no longer had enough money because I (unnoticed by me) had made advance payments. I learned from this mistake and want to keep a corresponding amount open until these rather expensive works/installations are completed. I think that is understandable, isn't it?

Ever heard of completion guarantee? And if this is the second construction project, and you’ve already fallen into the trap once, then I would insist on it. If the contractor tries to avoid it, I would stay away from it!

Hello,

honestly? I wouldn’t be interested in this payment plan and also wouldn’t have the time; you are at the bank almost every day in places

In response to a query about the credit amount for the entire electrical trade, I was told that the contractor has costs of about €8,000 gross for it. In the payment plan, I pay significantly more for electrical.
2% for completion of heating... From my point of view, this is far too little. Just the heat pump and the deep drillings should exceed this amount.

Firstly, you don’t pay 2% for the heating trade but 6.5%. Secondly, payment plans always overlap. If you don’t want to supposedly overpay in some places, you should find an architect and plan and assign your house construction with them!

Regarding the credit of €8,000 for electrical installation, I do not consider this amount to be too low at all. When a house gets bigger, the cables get longer and maybe a few more sockets here and there; that’s it.

Again here, the payment plan is a mixed calculation; accordingly, the electrical share is okay; it is rather too low due to the number of installment payments. In our payment plan, you would pay 10% for rough installation of electrical, gas, and heating, and another 10% at fine assembly of these trades.

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%.

Talk to your general contractor to see if he agrees to 10% final installment with you assuming the additional costs.

Conclusion: You can further split the payment steps; in the worst case, this won’t really protect you. For example, we generally offer a completion guarantee, which changes into a warranty guarantee after handover. This gives every builder the security he needs and helps more than any additional payment installment; in the worst case, the bank pays here. Talk to your general contractor about such a guarantee.

Best regards

now I understand the clause in my loan agreement: 5 disbursements free of charge
It only says that pro forma, but probably exactly for that reason.