Would you make this financing?

Of course, you pay a small surcharge for that, and in the case of maternity it is initially of no use, but in our contract there is a kind of unemployment insurance, in which case the rate would be paid for 1 year, meaning that if you still receive [AL] money, you might even initially have more available during that year.

Is the risk too high if you actually end up at the negotiated price?
-> For me, with your income it would be too high
My children cost an infinite amount of money. My wife is also a childcare worker and she does not find a part-time job that quickly. Here it is just the other way around - here there are only full-time positions, or part-time in the afternoon, which doesn't work with school children.
The risk of having to live on one salary for longer than a few months has proven true for us - my wife is now taking 3 years of parental leave - without income. So we have to live on only one income,...
Do you have 2 cars or 1? For us, one of the main cost points is the car, besides food / house and children being the main expenses - we only afford 1 of those.

As a woman, you have the right to return after parental leave and start at 70% instead of 100%.

We have two cars.

Good evening,

So, now I have to speak up as well. I just don’t understand what problems some people have here? Has anyone here already written who, for example, has built with Town & Country and knows the prices?

I have not built with them, but I know their contracts and BB very well, as I repeatedly have them on my desk.

In discussions about ancillary building costs, one should not simply assume architect houses.

The ancillary building costs in house construction with a general contractor, as with individual trade contracts via an architect, are always exactly the same, referring to one and the same construction project.

For example, with Town & Country, the costs for earthworks are already included in the price.

That is not true, they remove the topsoil.

(Calculated for good soil quality, if a lot of soil has to be replaced, then it naturally becomes more expensive, but you have the soil report to estimate),

That is no different with most providers; unless homeowners build via BT, then it is their risk.

just like the costs for the soil report (at least it was like that for us).

That is now standard with most providers; still, it’s not free.

Furthermore, there are also people who, for example, paint and lay floor coverings on their own. Then only material costs apply. Many things can also be done by yourself outdoors. You don’t always have to hire companies for everything; if you have the money you can of course do it. If we had had everything done by companies, it would certainly have been 50-70k € more.

That is the "turnkey" option – also nothing different than what most providers describe in their BB.

.... and paid 169k to Town & Country for that ...

What if I "were" to explain to you that your house – measured by value – was paid for quite expensively?

As one of my predecessors rightly wrote: No one gives anything away; not even city + country. Their license partners - like any other tradesperson - must make profits continuously if they want to exist in the market in the long term. Now ask yourself how it is possible that your contractual partner made a profit and your single-family house was still constructed under market-standard conditions?

So please don’t philosophize until it fits your own opinion – everyone gets what they deserve; that applies not only in the construction trade

Rhenish regards

: Great answers, what have they brought now? I wanted to show that what the OP mentions in terms of price is not utopian. However, this is presented as such in several places in this thread.

The ancillary building costs for house construction with a general contractor (GU) are always exactly the same as with individual trade contracts via an architect, based on the same construction project (BV).

Then people who comment on the ancillary building costs should also mention what they have built. Here in the thread, there was talk of 40k ancillary building costs, strange that ours were only around 20k??????

That’s not true, they remove the topsoil.

"5. Earthworks
The topsoil is removed up to a thickness of 30 cm. The excavated soil remains on the property. The missing height is replaced with frost-proof material. According to geotechnical requirements, the foundation cushion is increased up to 45 cm. A plastic sheet is applied as a separating layer on the frost-proof material. If approved by the supplier, empty conduits may be laid for the media supply to the house connection room on the shortest route up to 50 cm in front of the exterior wall of the house..."
The costs were calculated according to the evaluation of the soil report.

This is the "turnkey" variant – no different from what most providers describe in their bills of quantities (BB).

Correct, but by this you can save quite a bit of money. Please do not count time.

What if I were to "explain" to you that your house – measured by its equivalent value – was paid for quite expensively?

Good that you already saw my house Then let’s go, surprise me.

As a woman, you have the right to return after parental leave and start at 70% instead of 100%.

We have two cars.

You really live in a beautiful fantasy world. Unfortunately, this right is worth hardly anything in Germany..