smzh blue logo

Real estate construction

Building real estate is a complex and long-term undertaking that requires detailed planning, solid financing, and an understanding of legal and building requirements.

Whether you need support in seeking building permits, construction financing or execution – smzh accompanies you throughout all stages and ensures that your construction project runs flawlessly.

image - desktop

How to proceed

1

Requirement analysis and planning

  • Together with you, we define how your property is supposed to look: location, size, use (residential or commercial), and desired configuration.

  • We examine your long-term goals and develop a clear vision for your construction project.

2

Plot selection and construction law

  • We support you in finding the proper plot and analyze the requirements under construction law.

  • Building zone and use:

    • Check whether the property is located in a residential, commercial, or mixed-use zone, and determine which uses are permitted.
    • Review the building regulations, such as boundary distances, floor area ratio (maximum allowable development of the property), and building height limits.
  • Building permit requirement:

    • Many construction projects require a permit. We clarify which projects are subject to permit requirements and which are not.
    • Review of exceptions or special conditions.
3

Construction permit process

  • Preliminary review:

    • Before submitting the building application, preliminary clarifications can be carried out with the municipality or the relevant building authority. This provides assurance regarding the feasibility of your project.
  • Submission of the building application:

    • Preparation and submission of all required documents, including building plans, site plan, cost estimate, and technical reports.
    • We assist you in coordinating with architects and construction companies.
  • Review and conditions:

    • The construction authority reviews your application to ensure that all legal requirements are met.
  • Approval and objection period:

    • Following the review, the building permit is granted if all requirements are met. There is an objection period during which affected neighbors or third parties may file objections.
4

Construction financing

  • Assessment of the project's financial affordability and optimal allocation of own funds.

  • Establishment of a construction loan that is disbursed according to the progress of the construction project.

  • Development of a long-term financing strategy to best structure both the construction phase and the subsequent use of the property.

5

Construction planning and contracts

  • Selection of architects, construction companies, and craftsmen.

  • Examination of construction plans and contracts to ensure clear agreements regarding services, costs, and schedules.

  • Creation of a detailed construction schedule.

6

Construction phase and monitoring

  • Monitoring of construction work, quality control, and maintenance of construction schedule.

  • Support in communication with construction companies and authorities.

7

Completion and handover

  • Final examination and acceptance audit of construction project.

  • Documentation of defects and ensuring their repair.

  • Advice on warranties and insurances.

Videos on "Real estate construction"

Neubauten und Baumängel - desktop

New construction and construction defects

Learn how to properly address construction defects and assert your rights as a buyer. Receive tips on documenting defects and find out when it is advisable to seek support from independent construction experts to successfully enforce claims and protect your investment.

(in German)

Baukredit - desktop

Construction loan

Learn how a construction loan can be used flexibly to finance your building project and what advantages it offers over a traditional mortgage. Discover the key requirements, from the equity ratio to the optimal use of the credit line during construction, and find out how proper planning can help you minimize costs and risks.

(in German)

Document Library

Baukredit - desktop

Construction loan - For seamless home financing

Whether new construction, purchase, or renovation: Sound construction financing is the key to making your dream home a reality – we support you with expertise and foresight.

(in German)

Baumaengel - desktop

Construction defects: Challenges after a new construction

Purchasing a newly built piece of real estate is a significant step. This is why correctly capturing construction defects and knowing one's rights is particularly important.

(in German)

image - desktop

smzh for you

Your advantages with smzh in home construction:

  • Comprehensive support: We guide you through the entire construction process, from the initial idea and financing to completion.
  • Construction law and permits: We clarify all legal requirements and guide you safely through the authorization process.
  • Financing and construction loan: We develop an optimal financing strategy and identify suitable partners for your project.
  • Contract expertise: Our specialists analyze construction plans and contracts to minimize risks.
  • Project assistance: We are by your side during the entire construction phase and support you in any challenges that may arise.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

The utilization rate indicates to what degree a plot may be used for construction. The rate is listed in the construction regulations of the respective community.

Duration varies by community and complexity of the construction project. Normally, it takes several weeks to months.

We help you in submitting your construction request, examining the legal requirements, and coordinating communication with the relevant authorities.

A construction loan is intended for construction projects and paid according to construction progress. Interest must only be paid on the amount drawn.

The plot of land influences not only construction costs, but also how you can use your piece of real estate as well as its future value.