Subsequent change of the lending value - What happens?

It's a shame that my thread is moving in a somewhat attacking direction (and from different directions). Nevertheless, I am very grateful for the hints.

Thanks to the detailed answers from Noelmaxim, I have at least gained some insights for my initial question. Contrary to some answers, it is indeed possible to influence the loan-to-value ratio through proper planning and thereby achieve better conditions. Of course, this must be discussed with an expert, but I share the opinion that the bank itself probably does not indicate a need for optimization on its own. Therefore, it is up to me to address the topic specifically with my architect or broker.

Although there were few concrete suggestions, I think that due to the different criteria of the banks, it is difficult to give generally valid proposals.

How does the bank deal with it if, after the construction, it turns out with the submission of the final invoice that the BW assumed in the financing is incorrect?

Sorry, but I thought it was clear how to influence the desired loan value by specifying the costs to the architect or construction company or by co-designing these (Zaba also wrote a good post about this and confirmed it), and a once determined loan value is no longer recalculated since, in the end, it is only checked that the house is built as presented when applying to the bank.

The answer is: The bank does not carry out any recalculation; instead, a final report follows that confirms the house has been completed or describes the condition.

The answer is: The bank does not perform any recalculations anymore [...]

see #6

see #6

Thank you very much. We could have saved ourselves the last 39 posts.

You ramble a lot (brokers like to hear that), but you haven’t given the OP a single piece of advice yet. You think you know everything better, or at least you believe so. You talk about conditions and financing structures like credit-financed equity, but you don’t have any concrete advice ready for the OP.

Nordanney, did you mean this user here by OP?

Thanks to the detailed answers from Noelmaxim, I have at least gained some insights for my initial question. Contrary to some answers, it is indeed possible to influence the loan-to-value ratio through proper planning and thus achieve better conditions.

Good thing I care about added value for the OP or the OPs and not about you. Unfortunately, I had to ramble so that your false and obscure statements regarding the loan-to-value ratio to be determined would not remain so wrong. At the same time, I am very happy to confirm that you said everything there was to say about it in post #6, which makes your later post all the more astonishing! I do not find it great when another expert becomes a user here, reads, and has to notice that it was not corrected.

With over 20 years of experience in real estate financing and valuation from small condominiums up to €200 million commercial property, I have already seen too much to listen to such drivel any longer. No offense...

I actually believe you, but that says nothing about the quality, and if you proclaim something false and unhelpful for the OP here, you can expect me to correct that in the interest of everyone.

Regarding useful things, you can also expect quite a bit from me; I am always willing from time to time to create and post a concept with realistic and project-adapted conditions as support for the OP/the OPs. I just ask you for a little patience, it will be fine.

Construction progress signed by the site manager / general contractor. Ideally, it should match the invoice

Where is that not the case??