Thank you very much for the quick response - I will review the contract again and then report back. So far, I have assumed that it remains free of charge within the 14 days (since no services have been provided).
Also, thanks again for the quick response! No tax advisor consulted - otherwise, this mess probably wouldn't have happened. But at two bank appointments and one free appointment, no one pointed out this pitfall. Now (of course AFTER signing) stumbled upon it.
By the way, the exemption amount for grandparent - grandchild is 200,000 euros. Here in the South, we are immediately well above that. Then, 10% tax applies per year until the zero limit after 10 years.
And as is often the case - the trusted tax advisor is currently on vacation :D Of course.
Well ... bank advisors are not tax advisors ;) that's why I find it important that we point out such pitfalls in the forum when someone shouts again "can I afford this." I would still advise you to discuss the matter with a qualified tax advisor who is also specialized in inheritance law. Maybe something can be negotiated with the tax office. How much money is currently missing for the construction project? You then have to weigh the demands of the tax office versus the demands of the developer. I don't think the developer will let you off for 0 €.
There is no lost profit in the case of withdrawal, that exists in the case of termination. The right of withdrawal is basically the same as with online purchases, it is intended to protect the consumer. What is owed is compensation for value for services already rendered, §§ 650l, 355, 357d Baugesetzbuch.