Hello,
Regarding 2.) We would probably finance entirely through SAB and KfW, what are the closing fees for that? (if anyone knows)
Not my "area", everything related to building is already complex enough Ask someone who knows about this => independent financial broker.
Regarding 3.) Thanks for the insurance guideline value, but you only need that from the start of construction, right?
As soon as the land belongs to you, but at the latest at the beginning of the earthworks.
Regarding 3.) Soil replacement, when do you do that?? And these shafts are not part of the actual house?...or is that the sewage shaft?
Phew, I have to write this down for questioning the construction companies...
For example, if the soil report shows that the ground is not load-bearing. This is an item that so-called advisors like to sweep under the rug, because in the end unpleasantly high sums are involved. But you must consider it as a precaution for your financing; nothing is more expensive than additional financing, if it is feasible at all.
Inspection shafts are – explained simply – the shafts where the public connections enter the property. These shafts are needed later to be able to perform maintenance or repairs on the pipes if necessary.
For understanding: the house only includes what is connected to the building structure. All other necessary measures belong to ancillary building costs; garage and kitchen, for example, to the extras category.
Regarding 4.) Theoretically, energy (including three-phase current) and water are already available (in a garden shed), but we will probably have to dig up the old water pipe during construction. Should we use this possibility or rather arrange the complete development in advance? We estimated 12,000 for the total development... Is that okay?
This decision – whether existing connections can continue to be used – does not lie with you but with the utility provider. Just ask, then you will at least know more about this point; know the expected connection costs.
Oh, and we estimated 13,000€ for the outdoor facilities, is that about right? The garden is already "finished", at most they destroy something during construction... Oh yes, we have to fell four trees (out of 30), that's an additional cost...
No matter what property forms the starting point, in the end you have nothing but – at best and depending on the building situation – a brown landscape with a new house in its center. By the way, you should also ask whether you are allowed to fell the trees; depending on the age and size of the trunks this is not always possible. In such a worst-case scenario, you would have to realize the access path "around the trees."
Whether the mentioned amount for the outdoor facilities is sufficient, I cannot answer because I do not know the property conditions and I do not count the crystal ball mode among my preferred tools Can you even say for sure that you are allowed to build on the garden shed property?
Best regards