Proofs of paid ancillary costs

Hello, we have already paid some incidental construction costs (e.g. architect, surveyor). These items are listed in the cost breakdown for the financing to be applied for (as they increase value to a certain extent). Do I have to provide proof of these already paid items to the bank or will they accept it as is? Does anyone have experience with this? Thank you

Depends on the bank, just specify in the lineup.

I would keep an Excel table with date, recipient, service, amount. Then invoice and copy of transfer in a separate folder. At some point, you will be grateful.

Yes, thank you. But that was not the question ;-)

I have always sent all costs, services, construction phases, and cost forecasts (i.e., whether the remaining funds are sufficient or not) to my banking contact.
No matter whether the costs were covered by equity or bank disbursements.

They never wanted to see the invoices or copies.
However, they were convinced of our project and my preparation/communication from the very beginning. The trust and interpersonal relationships were always right as well.

I was even able to draw significant portions of my loan before I even had invoices.

We financed with the local "but that’s not even a bank" fund.

So it really always depends on the bank and the person (on both sides) you work with.

Call and ask what they want. The value of the property only becomes interesting to a bank if you stop paying and they want to sell your house off cheaply. Then it will be reevaluated anyway, and it doesn’t matter what was once on invoices.

Yes, thank you. But that was not the question ;-)

If that was included in the overall statement and equity was used, the bank might ask. Documenting the costs never hurts.