Would you make this financing?

Why? If Town & Country includes everything in this price, it is even guaranteed by a price guarantee.

Then build with Town & Country and be sure to report back here in the forum afterwards

Why? If Town & Country includes everything in this price, it is even guaranteed by a price guarantee.

If indeed everything is included...

Ultimately, you also have to consider how "spartan" the equipment can actually be. Maybe I am a bit spoiled in that regard, but our rental apartment had 2 really nice bathrooms (8m² + 4m²), we had a nice large kitchen and otherwise a very nice, spaciously designed kitchen. Yes, it is not property and a condominium, but still it was important to me in my own home not to take a step back in areas important to me, such as high-quality (but not luxury) bathrooms, sufficiently large kitchen, and decent flooring. That’s when frustration quickly sets in, because you might not have the financial means to make major changes for the next 10 years.

With the basic package of prefabricated houses, there are no walk-in showers, few floor-to-ceiling windows, and no nicely designed outdoor area. In addition, space is often calculated very tightly. We are coming from a 155m² apartment. But with a 155m² house, we would be overwhelmed, because in addition to the 155m² we had a garage, a shared utility room, a 35m² drying room, and a 15m² storage basement. You also have to subtract the space for staircases, entrance hall, etc. from the effective floor area. This leads to the conclusion that for the same room conditions you need at least 180m² + garage or garden house. I think many people calculate too tightly today, especially since it feels like everyone plans a large dining, living, cooking area + guest bathroom in addition to the bathroom on the ground floor. I think there isn’t much left for utility rooms (bedrooms, utility room, children’s rooms, main bathroom, storage rooms, workrooms (office, workshop, ironing/laundry area)). For me, an attic is not a storage room because 50% of the things I store, I either don’t want to carry through the whole house or they don’t fit through the attic hatch. An attic is usually more of an archive than a really usable room.

Simply calculate what you need in terms of space and equipment and plan a buffer (at least 20,000 €). Make sure you have really recorded all incidental costs plus a little buffer here as well. Then see where you stand price-wise and consider whether, in the worst case, you are able to bear 10-15% additional costs. They don’t have to come, but as it always is, the unexpected costs always arise in financing that is already calculated on a tight margin. No own home is worth giving up everything for it. Children enjoy the time spent with their parents on vacation more than nice flowers in their own garden. Whether the children’s room is rented or owned makes absolutely no difference to them.

Why? If Town & Country includes everything in this price, it is even guaranteed through a price guarantee.

Yes, I understand that you want EVERYTHING included. But you should be aware of the price segment that Town & Country operates in. They have nothing to give away, and there will be misunderstandings here and there despite the contract, and the goodwill will certainly not be as high as with a high-priced house provider.

Yes, there is a contract, but you should at least have it examined legally and structurally (services) to avoid a nasty surprise.

A smart man once said: a building with content x costs the same at every construction company. One gets it before signing, the other after signing. If one is cheaper than the other, they are not delivering content x, but x - y (whatever y is). Even with theoretically identical things, there are huge differences. For example, some waterproofing at cheap companies is done according to standards (e.g., glued with "tesa"), while at more expensive companies it is properly burned in with bitumen or similar using fire and flame. (which is obviously significantly longer lasting and better at first glance)

If you want exactly the same, you also pay the same. Companies calculate similarly, simply because competition is high. A smooth process costs money, by the way. Conversely, this also means that the cheap ones often cannot deliver that (high staff turnover due to high stress levels and poor pay).

That doesn't mean that every house has to become that much more expensive, but you can regularly file Town & Country offers under "Ulk"

So, now I have to speak up as well. I just don’t understand what problems some people have here? Has anyone here so far actually written who, for example, has built with Town & Country and knows the prices? We built last year and everything Town & Country calculated was correct. When discussing additional construction costs, you shouldn’t simply assume architect houses. With Town & Country, for example, the costs for earthworks are already included in the price (calculated for good soil quality, if much soil needs to be replaced, then of course it gets more expensive, but you have the soil report to estimate that), as well as the costs for the soil report (at least that was the case for us). Furthermore, there are also people who, for example, paint and lay flooring on their own. Then only material costs apply. You can also do a lot yourself outdoors. You don’t always have to hire companies for everything, although if you have the money, you can of course do so. If we had had companies do everything, it certainly would have been 50-70k € more. Everyone has a different feeling for what must be in a house. For example, we don’t need about 20 sockets in every room or 2+ LAN sockets in every room (Wi-Fi also works). KNX is also great, but not necessary. If you have the necessary money, all that is great. I can only say, we took out a loan of 257k € for our house and paid 169k to Town & Country, 57k for the plot, just under 20k for the additional construction costs. Currently, we still have 12k for the exterior facilities and that will be enough. We do everything ourselves, currently setting curbstones for terraces and paths. Paving is also done by ourselves. So far, almost 6k of equity has been used, of which 4k for the kitchen. When we are finished with everything, it will be about 265-270k € in total. Therefore, one request, don’t say it’s not possible. It’s not unrealistic; of course it depends on the region and much on the plot price. Our house without the plot price is thus around 210k €, and we don’t live in the middle of nowhere.