ᐅ Is it possible to finance a fitted kitchen?

dynaudio79 schrieb:

I do as well.
Only when I reply directly to a post does it refer to the last one.
So in this case, yours.

Then I guess I better hold back. It was not my intention to come across as rude to anyone.

K1300S schrieb:

Then I’d better hold back. It wasn’t my intention to come across as rude.

If I misinterpreted that, I apologize.
However, your words sounded more like I was talking nonsense or spreading lies because your structural engineer approved the kitchen.
That’s not the case.
Why would I lie or twist the truth here? It wouldn’t benefit me since I’m interested in finding a solution.

If you have questions, just ask them, but please don’t just speculate or make claims. That’s frustrating.
This was directed generally and not just at you!

chand1986 schrieb:

If you could also get 75% financing under the same conditions, borrow 75% and buy the kitchen with the 5% retained equity.
Do not mention the word “kitchen” to the bank!

I don’t see the problem.

Yes, that could be an option.
Let’s have it calculated.

dynaudio79 schrieb:

Your comments sound more like I’m talking nonsense and spreading lies because your bank approved the kitchen.

That was not my intention. I meant rather that the bank apparently also (sometimes) finances the kitchen. However, I do not know under what conditions this applies. The loan-to-value ratio was below 60 percent.

K1300S schrieb:

That was not actually my statement, but rather that ING apparently also (sometimes) finances the kitchen. However, I don’t know under what conditions this applies. The loan-to-value ratio was below 60 percent.

Okay. I’ll take it as is. I will inquire further.

A question regarding financing. We are considering, to avoid the "problem" with the fixed-price guarantee, to first hire an architect up to the building permit / planning permission stage and, during that time, calmly find a construction company.

Now my question. We would pay the architect from the equity that was planned for the kitchen. Can I later include these costs in the financing? Or do only invoices from the financing approval date onwards count?