Why do so many prefabricated house providers want a preliminary contract even though the financing is not yet 100 percent secured and everyone says if the financing through the bank does not work, one can withdraw free of charge? That gives me a stomachache. Does anyone have experience with this???
How are we supposed to give you a reasonable answer when you are only 0 percent through with telling us anything about your house at all? – we don’t know the house design (oh, what am I saying: not even the plot yet!), how should we judge whether a "prefab" house could fulfill the building wish in this specific case?
In the situation, if I understood correctly, was that the builders wanted a subsidy (for which the building contract was not yet allowed to be concluded), but at the same time also a loan (for which the bank wanted to know for which house), and therefore the construct of a Schrödinger building contract was used, which, thanks to a suspensive condition, was simultaneously concluded and not yet concluded.
Presumably, some house manufacturers take advantage of such a situation for themselves and want a contract that does not fail just because you conclude it too early from the subsidy bank’s point of view and they had you on a hook but then had to let you go again. What at first glance may look like the seller is your friend and would warn you of a nasty trap, is partly true, but their self-interest predominates.
Thank your stomachache and take the crucial step back, do not start your search for advice here with volume 2, but with the first chapter (preface aka completed questionnaire don’t forget!).