Property reserved, construction financing plan, architect/building permit application

Exactly what Wastl writes. Don’t rely on the municipality. Often it takes longer with the development after all...

We also reserved a plot of land in February 2012 and purchased it in October 2012, which was presumably supposed to be developed by the end of 2012. Due to the long winter, the development was delayed until May 2013. During the subsequent subdivision of the new building area, there were also problems and delays. The building authorities wanted a noise protection wall to be built before the final acceptance of the area, so the approval of the building permits was also delayed. Now construction is slowly starting, but the commitment interest is already accruing, even though we waited relatively long to sign the financing. For many others in the building area, the interest-free period has long since expired. We originally assumed that we could move in by the end of this year, 2013, but instead construction is only just beginning. So don’t sign the financing too early. The commitment interest hurts a lot because there is no service rendered in return.

I thank you all for the answers and great tips. We have to accept that we can only start building in a year. Therefore, we are waiting to sign the financing and get offers. First, we are making a plan with the architect.

Now the following question. At the bank, the last advisor mentioned whether we had received funding or low-interest construction loans from the [Landratsamt]? Which funding or construction loan did she mean?

Why didn't you ask HER? Otherwise, try googling.

In Bavaria, you can get discounted loans from LaBo if you meet certain requirements. In NRW, there is something similar.

Thank you very much for the information. I will inquire at the district office on Monday.