Hello,
I haven't quite understood yet which object costs I can include for a new build or which required loan amount I should enter. The plan is a new build through a property developer with a purchase price of 312,000 euros. Since it is partly a shell house, an estimated 22,000 euros will be added for bathroom finishing, painting, floor coverings, blinds, and fitted kitchen.
As far as I have read, I cannot include the fitted kitchen, right? The bathroom finishing will be carried out by a specialist company, I am not yet sure about the painting work (possibly only material costs and the rest done myself).
Which of these costs can I now add to the purchase/object price? Or is that considered equity? If I only use the pure purchase price without the personal contributions, I would have to reduce my saved equity accordingly in order to finance the follow-up costs.
Maybe someone can explain this understandably to me. :)
People, nowhere do I read that the original poster has a financial problem and favors the cheapest possible build.
What do you need the list for?
There are several. If you need the list for a loan, you have to calculate what extras you still have to pay for (except furniture, i.e. kitchen). Round up generously. List all items, including outdoor facilities, carport, etc.
If it is about the property transfer tax, use the 312,000, and only that! You only have to pay tax on what you buy.