Procedure and planning plot + single-family house in MTK

The providers work with real estate agents (so they do not belong directly to the provider), who can then choose from a currently available "pool" of plots.

There are no real estate agents. One cannot live from that a) and b) plots are not mass-produced. There is also no grey market or any other dealer exchange or network. For example: If there is a new development area, all home builders lick their lips and “reserve” some plots. It looks like you go to a company, and they then refer you to such a plot. The catch is that they all refer to these plots. Once you have signed, they say: “here are two.” But family y has already reserved this exact plot directly with the municipality two weeks earlier. Family y is happy to build without any building commitment, and you are stuck with your house contract and possibly the second plot, which is really badly located, in the misery to fulfill the contract – or to get out with a contractual penalty. Heinz von Heiden and Viebrockhaus were still advertising with our plots in the new development area on Immonet and IS24, but everything was already gone.

Accordingly, I would focus more on the municipalities/local offers in the future. Unfortunately, we don’t know anyone who wants to build there either.

You address them directly there.

Thanks for the example calculation. Our initial calculation even looked relatively similar. Painting work and floor coverings were already included in the offer. We had about €315k for the house including special equipment and outdoor facilities/parking space. We calculated ancillary construction costs at €30k and would then come to about €155k for the plot including purchase incidental costs.

You should read a bit in the forum here. For example, there is the subforum Building Costs, where there are many hints about real costs as well as the necessary buffer.

There are no real estate agents for plots. One cannot a) make a living from that, b) plots are not produced on an assembly line. There is also no gray market or any other dealer exchange or network. For example: If there is a new development area, all the home builders get excited and “reserve” a few plots. That looks like you go to a company, and they then refer you to such a plot. The catch is that they all refer to these plots. Once you have signed, they say: “here are two.” But family y has already directly reserved these two plots from the municipality two weeks earlier. Family y is happy to build without a building commitment, you are stuck with your house contract and possibly the second plot, which is really badly located, in the dilemma of fulfilling the contract – or getting out with a penalty. Heinz von Heiden and Viebrockhaus were still advertising with our plots in the new development area on Immonet and IS24, while everything was already gone.

Thanks for the info. I find it incredible what the salespeople tell you there, or rather, that it is even allowed at all. Then back to my previous question... How does the financing work if I take care of the plot myself? Do I have to pay for it directly out of my own pocket, or is there still a possibility to finance it together with the house construction?

You should read up a bit in the forum here. For example, there is the subforum Construction Costs, where there are many hints on real costs as well as the necessary buffer.

Thanks again for the tip. I’m new to the forum and will calmly look through what can be found here about construction costs.

The majority of the prefabricated house providers with whom we had appointments (the subject of the discussion was always house + plot), wanted a signature from us for a "reservation contract" before we were even allowed to look at the plot.

They don’t have any. And if they do, only reserved or acting as brokers.

"They don’t have any" - I fully agree with that. With the dubious contract construct, their crooked lawyer better be prepared, because the legislator, to put it mildly, does not foresee a broker for a contact to a broker.

For the "normal" contracts, there are additional attachments that allow a free of charge withdrawal if no suitable plot can be found.

And exactly this condition is vague enough that practically any substitute plot is sufficient.

One of our challenges, however, is that besides the house, of course we also need a plot in the area.

In the following posts (some of which contain further links), it is also about such shady building contract + plot bundles, or I have presented alternative ways of successful plot searching: - - - and if a young second-hand property is also an option, contacts to divorce lawyers are useful

I think it’s great that you signed up here. I believe that was the last chance before you would have fallen for some shady dealings. The hardest part of building a house, in my opinion, is finding the dream plot.

We found ours by going out every Saturday and Sunday and looking at villages we liked. There we directly looked for land that looked abandoned or had ruins on it, etc.

The usual way is probably through the municipalities. Register and hope.

First, find your land. At the same time, go to the bank and get advice on what you can actually afford. Once the plot is found, you can still start financing for the house and land. For tax reasons, it is better to buy both separately.

I am surprised that you are still so enthusiastic or positive about the construction project. If you have regularly searched the portals for plots of land, you should know that they are horrendously expensive in your area and that you are not the only ones wanting to build. I entered the middle of your area with a generous search radius and barely found 2 out of about 70 that are building land and cost less than 150,000. Because some of us have been in the forum for a longer time, we know the problem and advise, given the budget, to consider an existing property or a small terraced house. Regarding your financing question: if an affordable plot can be found, then interim financing is possible. Most here have more equity and can pay in cash. The others resort to plan B: buy an existing property or a developer house.

And exactly this condition is vague enough that practically any substitute plot is sufficient.

That's right. And that was also the point where we realized that something was wrong here (including the "I can give you an extraordinary special discount if you sign within the next 2 weeks" tactic).

In the following posts (some of which contain additional links) it is also about such shady building contract-plot bundles or I have shown alternative ways of successful land search: - - - and if a young used property would also be acceptable, contacts to divorce lawyers are useful

Thanks for the references to the other threads, I’ll also take a closer look at them!

I think it’s great that you registered here. I believe that was the last chance before you would have fallen for some dubious schemes. In my opinion, the hardest part of building a house is finding the dream plot.

As mentioned above, we also noticed that something was "fishy" about the whole story. Are there also reputable providers in these model house parks with salespeople? That doesn’t exactly give me confidence when it comes to building a house...

We found ours by driving out every Saturday and Sunday to look at villages we liked. There we directly looked for land that looked abandoned or had ruins on it, etc.

The usual way is probably through the municipalities. Register and hope.

First find your land. At the same time, go to the bank and have them advise you on what you can actually afford. Once the plot is found, you can still start financing for house and land. But it is tax-advantageous to buy both separately.

Okay, thanks for the tip. We have already roughly discussed with several mortgage lenders what budget we can afford. In the end, it was around €500k with good conditions for our needs and a monthly burden we can manage.

I’m surprised that you still approach the building project so euphorically or positively.
If you regularly searched the portals for plots, you should know that they are horrendously expensive in your area and that you’re not the only ones wanting to build.
I entered the middle of your area with a generous search radius and found only 2 out of approx. 70 that are building land and cost under €150,000.
Because some of us have been in the forum longer, we know the problem and advise a used property or a small terraced house with that budget.
Regarding your financing question: if an affordable plot can be found, you can do interim financing.
Most here have more equity and can pay in cash. The others go for plan B: buy an existing property or a developer house.

Well, “euphoric” we were only at the beginning. We quickly realized that with the financial framework and the desired location, we chose a big challenge (which is somehow depressing with two “normal earners” without children or prior commitments...). But I’m always grateful for realistic assessments. You only ever hear “no problem at all” from salespeople. I will also take a closer look at the interim financing. We would also like to have more equity available... but reality looks different, unfortunately. If it is not feasible with the conditions mentioned, we just have to adjust various parameters (e.g., the location) or look at the alternatives you mentioned. For us, a rental house is also still an option. But so far we haven't been able to make any really “reliable” statements because we are simply not sufficiently informed yet.