Which step comes first when you want to build?!

Hello,

my husband and I are currently making plans regarding building a house. We would like to plan so that all the paperwork (building permit, etc.) is done by next spring and that construction begins then.

But I’m not really sure what step we should take first.

We have a VERY clear idea of the house, we have the floor plan - etc. etc. - we have even checked if it is feasible with the development plan. and we also already know which provider we would like to build with.

I was thinking that we would get in touch with this company and tell them what we would like to have built and then they make us an offer. We will also do quite a bit ourselves (my husband is a master electrician and we can cover almost the entire interior finishing, heating, etc. as equity)

and then we will take the offer to an independent financier and have them find a suitable bank to finance us.

We even already have a plot of land which we would now like to have reserved until the financing is in place.

Do you think this can be done like this? Or DOES the first step necessarily have to be to the bank?

Would be very grateful for tips!

Best regards

I would first go to the bank and clarify what I can actually afford. Basically, an inventory. This can also be done with a financial advisor. What's the point of planning everything but then not having enough money. If you know whether a loan is possible and what it will cost you, you can get an offer. Don't forget additional building costs... !!! If both fit, finalize the financing and off you go. Definitely calculate a buffer and don't overestimate the potential of your own work. Materials and tools also have to be purchased/borrowed. Besides, it usually takes longer if you do it yourself.

Even if your property is already secured (sowas kann dauern wenn man das noch erschließen muss), the next step is to go to the bank. At the same time, permits must also be obtained. However, if you have it built, the company often takes care of that.