Process of financing / Use of the loan

  • Erstellt am 2019-07-23 15:54:36

Subwkloofer

2020-02-02 18:09:06
  • #1
Do you have a list of what exactly is usually covered by the construction loan at the banks? The obligatory "Küche" is logically not included. And of course, the principal amount of the house construction must take priority for the general contractor. But with a healthy "buffer"? For example, "Sanitärausstattung" is such a gray area. Washbasin and fittings are included. But what about the washbasin cabinet? Or another example: exterior landscaping (lawn/ paving work) is included. But what about garden lighting? I would be interested to know what kind of experiences you have had.
 

nordanney

2020-02-02 18:13:30
  • #2

Everything!!! From the house to the furnishings to the vacation or Porsche. It's just a question of the loan-to-value ratio and the price.
 

ypg

2020-02-02 18:47:45
  • #3
If you write built-ins and equipment, then yes,
If you write furniture and decor, then no.
 

nordanney

2020-02-02 19:44:05
  • #4
That is not correct. You can simply finance everything if the loan term is appropriate. However, it is nonsensical to proceed that way. Simply use equity for consumption and financing for the house. The result is the same.
 

Bookstar

2020-02-02 21:19:16
  • #5
That is not correct. Broadly speaking, you can pay for anything that serves to increase the value of the house and is permanently installed. Mobile items like furniture or kitchen appliances cannot.
 

nordanney

2020-02-02 21:36:18
  • #6

But we do that hundreds of times every day. Then you cannot say that it is not correct.
 

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