Prefabricated house including land planned - financing

Comparisons based purely on price are not particularly meaningful. For each price, you also have to look at the corresponding building description and see exactly what is included. Roughly speaking, you can expect to pay about €2500/sqm for a house with a slab foundation in BW (including painting and flooring, excluding kitchen), plus additional construction costs and land. Building with a basement costs correspondingly more. If you build according to the Energy Saving Ordinance, you will probably stay a bit below that, with KfW40(+) slightly above. Smaller local companies also tend to be somewhat cheaper than national ones with representatives and model homes.

Thank you! Those are very precise details... but in that case, if the building plot for which I am on the waiting list comes through, I could get it considerably cheaper. According to my calculation, about 60-70K. I have to think that over again.

Would it be much cheaper?

Very unlikely. They calculate quite well and use their fixed positions, not prices that change all the time. With catalog companies, many things are missing, e.g. the base slab, transport, etc. Earthworks, incidental construction costs... I don’t know your offer, but it probably includes the outdoor area as well?

I don't know your offer, but does it also include the exterior area?

yes, everything is all inclusive except the kitchen for 650k. It's a lot of money, but here a resale property, which is significantly smaller and older, already costs 500-600k. New construction up to 10 years old is about the same price. In general, I even have the feeling that resale properties are almost more expensive. The only option would really be to build yourself. But if you say that won't be much cheaper either, then it should be fine.

The only thing would be that you could do some of the earthworks yourself, for example, or the garden landscaping. The craftsman wages are of course included in the AI offer.

Real estate transfer tax is due on the land and all services associated with it. This means if there is any contract stating "The land may only be developed by Müller Bau," you are obligated to pay tax on the house as well. If you found the land yourself and are completely free to choose the construction company, you only have to pay tax on the land.

How does the tax office prove to me that I had already decided on a house builder before purchasing the land? Or if I only notify the tax office of the purchase of the undeveloped land, then isn’t the land tax only assessed on the property?

You often see houses where the text says "Sale of the land is done through one of our partners." I always thought that in that case you only pay transfer tax on the land. But apparently, I am mistaken.... :(

As stated, if the contracts are connected, you have to pay the real estate transfer tax on both. You are also obliged to declare this truthfully. Regardless, the tax office apparently also has its methods to find those who try to avoid it.

If a company mediates a property "through a partner," it is a connected transaction. Hardly any company will agree to procure a property and then have the buyer build with someone else. Therefore, they will conclude an additional contract or similar to secure this. And thus the real estate transfer tax is due on everything. You also have to consider that such a condition is rarely disadvantageous for the construction company. Properties are scarce, and if someone objects to the high property tax, the next one will come tomorrow.