We are planning to build in 2022; the planning begins

the bank wanted us to use our equity first and then the loan, we then agreed on €70K equity and then the loan and then the rest of the equity. Your costs are then these as equity, negotiable

Had the appointment with the general contractor today. He was very unprepared. I am currently training my non-existent patience.
But in the end, it was good. He said that if everything goes well, the building application should rather be planned for the end of October. The official site plan is not yet available. Besides, I will first conclude a planning contract with him, where 5% of the total sum must be paid (but it is included in the price and will then be deducted from the construction contract). 50% is due upon submission of the building application. 50% then after 5-6 weeks.

One question regarding the financing. I would only want to do this at the end of the year due to the commitment interest. Can I actually submit and get reimbursed for amounts already paid such as:
- Surveyor
- Soil survey
- Planning contract

In addition, I will first conclude a planning contract with him, where 5% of the total sum must be paid (but this is included in the price and will then be deducted from the construction contract). 50% are due upon submission of the building application. 50% then after 5-6 weeks.

A question regarding financing. I would only want to arrange this at the end of the year due to the commitment interest. Can I actually submit and get reimbursed for amounts already paid like:
- Surveyor
- Soil report
- Planning contract

5% for the entire planning I find reasonable and fair. After all, you could still go elsewhere with those guys after the building application.

I find the rest of the payment plan quite harsh and already pretty risky. I would definitely renegotiate! Alternatively, at least a guarantee from the general contractor’s house bank.

As already written here, this is actually a matter for negotiation.

Our house bank wants to see proof of equity before the contract is signed. But I have agreed with them that the equity will only be introduced after the debt financing.

Which remaining payment plan? The 50% are the 5%/2. So they are paid in two installments. Additionally, there is a 1% discount. The payment plan in the contract for work consists of 13 payments.