Purchase of an existing single-family house prefabricated house year built 2000

Hello, first of all, congratulations! Regarding the protection of the loan installment, we make a special repayment of 5% every year.

Hello, I'm getting back in touch! The notarized contract and construction financing were signed in mid-August! We are currently still waiting for the documents from the land registry office; the notary apparently wasn't in a hurry, so the application was only submitted to the land registry office 3 days ago. Does anyone have an idea what a notary confirmation for the land charge costs? With that, we could speed up the disbursement of the loan and wouldn't have to wait another 4 weeks for the land registry office!

Also, I'm currently not sure how best to secure my loan after the fixed interest period of 20 years! Either I realize this through special repayments or through a home savings contract! How have you solved this?

So, a "ranking certificate" from the notary for the bank costs about 0.1 to 0.3 times the cost of the land charge registration. That means it depends on the amount. So, expect around €150-300.

I am also currently not sure how best to secure my loan after the fixed interest rate period of 20 years! Either I realize this through special repayments or through a building savings contract! How have you solved this?

If you have money for special repayments, why don't you just increase the repayment rate directly (with 3.5% interest, that's not a bad return with compound interest - €200 more repayment per month is about €64,000 in 20 years)? Money for special repayments is often spent on other things. I would first not "do" anything, but calculate. What is my remaining debt after 20 years? What can happen with the interest rate by then if I need follow-up financing? Will I still be living there then – I read on the first page about a small house of 115 sqm? What happens if you want a second child or have twins?

So a "ranking certificate" from the notary for the bank costs about 0.1-0.3 times the costs of the land charge registration. That means it depends on the amount.
So calculate something like 150-300€

The notary is an absolute disaster, I’m going there Monday! After repeatedly insisting, the priority notice is there, but the person from the notary said we still need the clearance certificate from the tax office, otherwise there will be no payment request etc., the bank only wants a notary confirmation and a document that the land charge was registered by the notary (ranking certificate??)! After I found out from the tax office that they have a mountain of work (as always) and we can expect processing earliest in 4-6 weeks, that means we would comfortably have to wait another 8 weeks before we can even think about paying… maybe even longer! Is that correct? Or is the process nonsense?

The bank only wants a notary confirmation, and a deed that the land charge was ordered by the notary (Rangattest??)

The notary confirmation is the Rangattest. The deed is the enforceable version of the land charge order – basically the document you signed during the land charge notarization.

After I found out from the tax office that they have a mountain of work (as always) and we can expect processing earliest in 4-6 weeks

4-8 weeks is normal. It has nothing to do with an unusually high workload.

that means we would have to wait comfortably another 8 weeks before we can even think about paying

It depends on what is stated in the purchase agreement. If the certificate of no objection (= certificate from the tax office that the real estate transfer tax has been paid) is not explicitly a condition, then earlier is also possible.
However, without this certificate, you will not become the owner in the land register. That is a prerequisite for the ownership transfer.

Is this correct? Or is the process nonsense

Yes, that is the completely normal process.

If you sign the purchase agreement in mid-August, I would also expect the earliest purchase price due date to be 09/30. That is a completely normal timeframe for you.

It depends on what is stated in the purchase contract. If the certificate of clearance (= certificate from the tax office that the real estate transfer tax has been paid) is explicitly not a condition, then also earlier. However, without this certificate, you will not become the owner in the land register. This is a prerequisite for the change of ownership entry.

That it is required is clear to me so far, for the final entry in the land register. However, this does not matter initially for the disbursement of the loan. The purchase contract states: The purchase price must be paid to the seller 14 days after sending a written notification from the notary... if the following conditions are met:
- priority notice of conveyance...
- pre-emption rights...