Submission of "old" invoices

And that if you don't have around 2000 euros lying around somewhere temporarily for vinyl flooring, you should really reconsider whether you should buy/build a house was actually meant seriously.

This calculation is probably tight, and believe me when I tell you that in the end you will not need 2,000 euros just once, but probably 5 times.

: I was completely open with the bank and they said that the 30k shouldn’t be included because they don’t finance the kitchen, furniture, etc. However, floors and painting are included in the financing! Why am I not allowed to keep the equity??? That’s my problem, what I declare as capital, as long as I really own what I declare? I mean, this isn’t about social benefits, is it? I am risking a worse interest rate because of this, but that’s entirely my problem, right? How do other people pay for their kitchen or furnishings? Or if we have to, for example, withhold money for an upcoming road renovation – the bank can’t force me to include that in the home financing, can they? How do companies that have 100,000 € in reserves and take out a loan to build a new hall deal with this – do you think they have to use up their reserves to get the loan? Sorry, I don’t understand something here.

: Of course, I temporarily have 2000 or even 4000 € lying around for vinyl flooring! TEMPORARILY, because the flooring is included in the financing. I basically just asked how important it is that the invoice date is AFTER the start of construction, or if the invoice date can also be two months BEFORE the start of construction.

As if anyone looks at the invoice date... if the floor was actually installed.

Your bank will transfer your remaining amount for your own contributions without additional invoice instructions, as long as it does not exceed €10,000.

Unfortunately, that is not generally correct. There are lenders who handle it that way, but there are also banks that want to see an invoice for every transaction.

, and

You have to admit that the treatment here is not exactly the warmest...

Unfortunately, I have to agree with you about the manners.

I also find it partly unfortunate how some people are “approached” here in the forum.

Compared directly with other forums, things here are very moderate and polite; I recommend you check out other sites ;)

The first explanation for your sensitivities: questions keep repeating here; also about financing. It is easy to use the search function and find answers to frequently asked questions. The second possibility: initial questions are often asked rudimentarily; with just a little more effort and therefore a more detailed description of the concern, more concrete answers are possible. Your arguments from #26 belong in your question in my opinion.

What if, on the other hand, what I spend in equity in advance counts as equipment and increases the value of the house?

As mentioned at the beginning, every financing bank has its own procedures. Talk to your bank if you have planned something similar and in any case, you will be on the safe side.

How do other people pay for their kitchen or furnishings?

Out of equity.

Rhenish greetings

From equity.

...that is not included in the financing calculation, right? Conversely, that would otherwise mean that the bank is co-financing a kitchen.

Your arguments from #26 in my opinion belong in your question.

OK, sorry. That was somehow obvious to me. I thought it was clear that I was exclusively concerned with the invoice date.

: Thank you for your competent and friendly response!!!