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Home building credit

Banks finance individual projects and grant a home building loan when the project is carried out under the aegis of a CCMI (single-family home construction contract). Other than this, the rules are the same as for any mortgage: the future debt ratio must not exceed one third of the income, and repayments are generally made at a fixed rate.

Which builder to get a construction credit

Banks prefer to finance houses constructed via a CCMI. This type of contract is governed by strict regulations. The builder must benefit from a guarantee of completion, which ensures the lender that the house will actually be completed, and the CCMI signer is an architect or promoter, holds civil liability and damage insurance book 10 years.

In practice, the borrower brings the land, and the builder builds the house. The bank therefore grants a building loan for both the land and the building, and offers several formulas to adapt to the customer’s ability to repay.

The three construction credit formulas

The borrower can choose between three building credit formulas for home, depending on his repayment capacity. The first case: if its resources allow it to bear both the rent of its current housing (or the interests of its current property loan) and the interest of the construction loan, the bank unlocks the credit line in one go. The borrower begins to amortize from the first monthly payments.

At each unblocked sum, the borrower pays a so-called monthly interim interest to compensate the bank for the money made available to it pending the completion of the work. The construction code imposes a 5% deduction of the price of the project until the buyer has accepted the delivery; once the house has been accepted and declared no flaw, the bank releases the remaining 5%. From this moment, the owner will pay monthly installments, and begin to amortize his home building loan.

The third possibility is to grant a full carry-over of interim interest, in addition to the deferral of monthly payments. This solution is only used if the repayment capacity of the borrower is not sufficient.

Getting a building credit for a home

Construction credit for a home will only be granted if the future lease rate of the homeowner does not exceed 33% of its net taxable income.

The duration of the repayments is thus adjusted so as to obtain the ideal scenario, so as not to place the borrower in a delicate financial situation. Banks offer the three tips of rates: variable, fixed or mixed.

Construction of cultural objects

Construction of objects of cultural importance , which include parks, theaters, libraries, museums and other objects a special category of buildings and structures.

They still have the status of cultural and educational institutions, and are often represented by a person, not only the cities in which they are built, but also the regions, and even the countries. The construction of cultural facilities (it is the construction, not the restoration), is supervised at all stages by various inspections, up to commissions of federal significance.

Not every organization will be able to complete a full cycle of works, starting from the stage of creating project documentation and ending with the commissioning of a building or facility. Moreover, with constant checks and strict control.

The general contractor, with experience of such work, will not only perform the construction of the facility and it’s commissioning, but also establish, optimally productive interaction with technical supervision.

What is it?

At the first stage, there is coordination, with the supervising bodies, design and estimate documentation and production schedules, preparatory and construction works.

The technical supervision checks conformity, norms and rules of construction, compares the exhibited and stated working resources, with their productivity and professionalism.

Further, constant monitoring of the construction period and full compliance of the project with the drawings and drawings. That is a full report on the completed stage of construction work, with the signing of all the prescribed acts and documents, between the general contractor and technical (public or private) supervision.

It is necessary to know that it will not work out “with the technical supervision”, they bear full criminal and material responsibility for each signed document. Employees of the supervising organization, if violations are found, may stop work at any stage of construction, up to the appointment of another general contractor.

The responsible general contractor will not allow any deviation from the deadline for the delivery of the facility and the violation of the production technology. Otherwise, he will incur, not only punishment, but, most importantly, his reputation will suffer.

One of the units of technical supervision, of course, will monitor the appropriate use of financial resources. Accordingly, the general contractor organization must have crystal clear accounting.

Technical supervision will regularly check the compliance with safety regulations at the construction site and the availability of proven personal protective equipment for workers.

Calculate house building costs

With the decision for a house construction, only part of the preparation and planning has taken place. The most important part is the house itself and without a building catalog for comprehensive information, no builder should go into planning or even negotiations with architects.

Building cost calculator

This calculator is to be used if you already have concrete ideas about land price and house size. It serves to provide you with a financial scale of the planned construction project. The calculator takes into account the current economic situation as well as the location of the object. Special measures can also be taken into account, such as demolition costs or compensation for injuries and the like.

Fee calculator architecton

This fee calculator enables you to create a calculation of the architectural services for your house construction. For a better understanding, please read our “Important Laws “section “The Regulation on the fees for the services of the architects and the engineers. You can use this calculator to check the architects invoice or to calculate a fee calculation for your cost calculation in advance

Costs family calculator

This calculator allows you to estimate your construction costs, which is tailored to single-family homes, by entering the most important basic data of your construction project. By entering cost-decisive variables such as foundation, construction geometry, number of floors, roof construction , building construction, cellar, additional equipment, among other things, accurate cost statements are made using typical mixed prices and additional or reduced cost factors.

Budgets in the construction

Let’s know the steps necessary for you to make the budgets in the construction of your new home or a specific space in your home that is not yet built, we will start by seeing all the elements to take into account in the budget and then we will know the tools free to facilitate our task of having the total cost that we need to know before starting the work.

Elements to take into account for budgets in construction:

  • The price of land
  • Architectural design (architect)
  • Design of structures (civil engineer)
  • Electrical and sanitary installations by an engineer or architect
  • Total cost of construction divided between materials and labor
  • Building permits for your city that include various municipal taxes

With this information we can already have a clear idea of ​​how much it can cost to build a house, it is possible to say that the price of the land is often the determinant of the total cost, in addition according to its topographic characteristics, ie if it has slopes or elevated notable increases the price of construction because it requires more labor and also materials, a point that must be taken into account in budgets in the construction of small and medium-sized housing.

For large buildings we need to add to the total price, the study of the soil (if the building has several floors), environmental impact studies (some municipalities ask), among other aspects that are not necessary to add here because we are pursuing a budget for a house of average size of 80 to 200 square meters.

  • Calculate online the cost of a new construction or renovation

Budgets construction of works by spaces

One of the best tips that we can give you is to ask by telephone or email an architect or civil engineer what is the price of the square meter built, the only data you need to have is the size of your land, with this you already have part of the budgets in the construction of your house.

But remember that the data that these professionals give you are only a part of the equation since normally these budgets are of basic finishes that is why you are going to use online tools to can calculate the costs.

Conclusion on budgets in construction:

  • The first thing to do is to have on hand the dimensions of the land preferably on the side then take the percentage in total square meters, the next step is to ask an architect or engineer to provide the price of the square meter built because these professionals handle this updated data.
  • For the self-construction do not forget to take a look at online applications to make drawings easily or if you are going to remodel a space of your home to the best online interior design sites and now you only have to start by measuring the terrain or send it to some mason master of your city.

The self-storage construction

Many self-storage businesses are small, family-owned companies; and for a lot of facility owners, their first self-storage project is also their first commercial construction project. For this reason, they may be unfamiliar with many stages of the process.

When building a storage facility, budgeting is one of the first critical steps. You want to create a realistic financial plan. Budget too low, and you may jump into an unprofitable investment. Budget too high, and you may pass up a good opportunity. The following will help you find balance and create the ideal budget for your next self-storage project.

Size, phasing and estimates

Before you begin budgeting, you need to determine the size facility you expect to build and if there’s any potential for future expansion. Your first phase may have a higher breakeven point than the overall project if you’re preparing a large site for additional buildings. In the long run, this is wise; but in the short term, it can be challenging. Working up a budget and financial projection for the initial phase as well as the complete build out will give you a better picture of the overall risk and reward.

Early in the development process, when you’re looking at multiple parcels and considering which to purchase, you should be thinking in terms of cost per square foot. If you expect a contractor to provide you with a detailed quote for multiple projects, you may be in for a rude awakening. Creating a detailed bid takes time.

Instead, research the costs for building, electrical installation, foundations and paving, and assign a cost per square foot for each trade. Then you can build up your estimates for multiple locations. This saves time and allows you to focus on the two main variables when comparing possible new sites: land cost and rental rates.

Budget line items

Your budget is going to contain a few large items and many small ones. Major items include the land, driveways, foundations, grading (including storm-water handling) and steel buildings. Smaller items that add up include: electrical, fencing, gates, landscaping, signs and video cameras. If your facility will have an office, plumbing, or architectural finishes on the buildings, you’ll need to add materials and labor for those items as well.

Don’t assume all utilities will be available at your site. If you’re building on the edge of town and require high-speed Internet, check to see if your local provider will require an upfront fee to connect you.

A final budget category that can’t be overlooked is interest expense and operating cash. As your project nears completion, you’ll breathe a sigh of relief. Don’t get too comfortable the feeling is only temporary.

Even when all goes well, the rent-up period can be a great source of anxiety, especially for a first-time developer. Despite best intentions, keeping a project on schedule is a major feat, especially for an owner who’s also serving as his own general contractor. You think you’ll open in June and rent up during the busy summer season? If you can, great! But you might have to open a few months later and withstand a slow winter. Have a financial plan to withstand delays.

In forecasting cash flow, consider your property taxes. Within 12 months of opening, your first tax bill will arrive and it can be a shock.

Building construction companies

The realization of a building project involves a set of stakeholders who provide their services during the design, administrative procedures, the conduct of the site, the implementation of the various elements that will constitute the building and the receipt of the book completed. We can distinguish the project management stakeholders who provide technical expertise and the companies that carry out the actual work, earthworks, structural work and second work.

The stakeholders of the project management

Any construction or rehabilitation project requires the supervision of a project manager, project manager of the construction of the building to serve the client.


A key player in a building project, the architect is the designer of the architectural project for design, rehabilitation and integration into the landscape. The architect carries the legal guarantee of conformity of all the elements of the project, his participation is mandatory for the design of the plans.

Most often, the architect is also competent for other design missions (urban planner, landscaper, interior designer) and acts as project manager for the execution of the construction site and the management of the interventions of the companies. Only legally authorized to design a building, the architect is the only one and the best able to manage a complete mission of building construction, from design to delivery.

Town planner

Spatial planning specialist, he collects and analyzes data relating to the terrain and the natural and urban environment. It offers management solutions that comply with administrative guidelines and allow construction in the best conditions.


Specialist in the development and design of the natural setting, he intervenes in the external parts of the project, gardens, green spaces and valorization of the ground and its vegetation.

Interior designer

Specialist in the interior design, the interior designer intervenes on ergonomics to increase the functionality of the building and the aesthetics of materials and colors.

For projects of large size and / or complexity, additional expertise may be required to assist the client and / or assist the project manager.

Design office

Specialists in a particular technical field, they bring their expertise to ensure the respect of the technical standards and the reliability of a specific element of the project (structure, fluids …)


Specialist in the determination of the costs of operations, the economist estimates the costs during the design, controls the respect of the budgets during the interventions of the companies, and checks all the operations.

Expert surveyor

Expert in the geography of the construction site, he prepares topographic leveling and boundary plans and conducts field surveys and buildings. It is exclusively authorized to delimit land.

Public works companies

Earthworks: leveling the ground, digging trenches for the foundations.

Roadwork and various networks (VRD): servicing of land for vehicle access, connection to electricity, telecommunications, and water and sewage networks.

Building companies

Structural work: stability and solidity of the building

  • Demolition
  • Foundation
  • Masonry
  • Reinforced concrete
  • Metal frames and frames, concrete or wood

Second work: water / air tightness, aesthetics and comfort of the building

  • Roofers
  • Plumbers-Heating Engineers
  • Electricians
  • Carpenters, fitters
  • Plasterers
  • Iron workers
  • Locksmiths
  • Painters
  • Glassmakers

Other specific stakeholders may also be responsible for monitoring and controlling the site to ensure its smooth operation.

Technical controller: contracted by the contracting authority to control the regulatory compliance of the materials and the strength of the structures.

Health and Safety Coordinator (SPS): charged by the client to implement prevention principles to ensure the safety and health of workers on the site.

Site coordinator: charged by the project manager to coordinate the various interventions and the management of the planning.

Finally, the services of specialized companies can also be contracted according to the particular vocation of a building: stenographers, decorators, cooks, restorers

10 steps to select the right builder for your needs

Selecting the right building company according to your needs and for the type of new house you are looking for is one of the most important decisions you will make in the process of buying your home.

Fortunately, there are some proven ways to speed up the research and selection process, and help ensure that you find a quality builder that is the ideal choice to build your home.

In all, this tip can speed up your search for a construction company and increase your confidence in that decision.

10 Steps to select the right builder

  1. Define your needs: What size, type and range of house prices do you need?
  2. Experience tells: Although every builder was once new, experience matters.
  3. Are previous buyers satisfied? Request and verify references from previous buyers.
  4. Verify that the builder or building company is licensed (as appropriate) and is properly insured.
  5. Does the design fit? Does this builder have experience in the style of home you are looking for?
  6. Guarantee and service: How does this constructor work in each of these areas?
  7. Resale value: Have the previous houses of this constructor maintained or increased its value?
  8. Participation in the industry: Is the construction company a member of the local association of builders?
  9. Tour models or houses of clients: There is no substitute for this step.
  10. Look for signs of quality: As for labor, materials and practices, when you walk through these houses.

Here are some additional details about the steps above:

  • Define your needs

Although some builders build a wide range of houses, many also specialize in a specific type of house, price range or style. For example, not many companies build homes to start for homebuyers for the first time, and neither do multimillion dollar homes for wealthy home buyers. Building materials, specialized contractors and even the construction process can differ greatly depending on the type and price of the house. Look for something that fits.

  • Experience counts

All of the construction companies, including the most experienced and reputable ones, have ever built their first home. And many construction companies started with experienced veterans from other construction companies. Do not discard a new company in advance, especially if your team includes experienced professionals, but look for experience in general and the type of home you are looking for.

  • Are previous buyers satisfied?

Many builders offer customer referrals. If not, ask. In any case, follow up. Some questions that would be good to do: Would you buy another house from this builder?  And do not forget to ask the main reasons why a former buyer would recommend or not a construction company.

  • Is the builder licensed and insured?

Not all states or areas require builders to have a license, but be sure to work with a licensed builder if required. Ask about what insurance the builder and the specialized contractors have. Make sure they and you are covered during the construction process.

  • Does the design fit?

A builder whose portfolio consists exclusively of contemporary homes may not be the best choice for that traditional home you are looking for, and vice versa. Although many builders have experience in a variety of design styles and architectural details, in general, look for one whose work includes at least some examples of the style of home you want.

  • Warranty and service

One of the main advantages of new constructions is that your home itself and most of the products, systems and components it contains are new in package and are under warranty. The peace of mind that provides knowing that major repairs or a new roof are probably years away is important. In addition, it seeks a structural guarantee of ten years or more on the house itself, ideally transferable to a new owner in case you sell. Also look for a construction company that provides timely and courteous service under warranty and that take the time to explain the maintenance and proper care that any house needs.

  • Resale value

Good reputations follow good builders, among homeowners and realtors. Look for builders whose houses tend to maintain their value. We know that in recent years the value of housing has fallen a bit for one of the first times in history, because of the market. So this is not an exact science, but when you see that a builder’s houses maintain or increase their value, it’s a good sign. You should also look for ads for real estate agents that specifically mention the name of a home builder for a sale that is already five or seven years old. The real estate agent evidently sees the brand as a great added value.

  • Participation in industry

Not every good builder chooses to join their local home builder association, so do not overemphasize this. However, such membership tends to show that a builder is long-term committed to that area. It is also a sign of commitment to the developers of new home communities, construction products suppliers and specialized contractors working in your city or town.

  • Visit model houses and/or houses that this builder has done for buyers in the past

Once you’ve narrowed down your options to a list of possible builders using these criteria, this is the most important step. Nothing replaces seeing personally houses built by a builder or construction company on your short list. It can be a furnished model house that is open to the public. Or it can be a house built by the builder for a former buyer that you can visit with an appointment. In any case, pay close attention to the look, feel and quality of the house.

  • Look for signs of quality

Look for signs of quality building and attention to detail when you visit these homes. Consider also the construction products that the builder uses. Are brands that have earned a well-deserved reputation for quality? What about the houses under construction you went through when you were on your way to see the finished model house? Were there signs of care and attention there as well?

Finally, observe the quality of the people who work for the construction company. Did the employees show sincere interest in you and your needs? Did you listen carefully? Did they give you good answers to your questions? Were they courteous, timely and professional in your interactions with them in the model house, sales center or office?

With the steps above, you will be well on your way to selecting a good builder that is a good fit for you, your needs.

Construction budget

For construction, we will say that it includes a complete list of all items of the work valued, including all the activities of this, from its inception to its term, according to the requirements of, “Technical Specifications of Architecture”.

In a total budget of work includes assessing all the requirements indicated in the “Technical Specifications of Work” (Architecture, Structure, Sanitary Facilities, Gas, Electricity, specialties, etc.):

  • Construction Budget = Direct Costs + Indirect Costs = Total Cost of Construction + VAT (Value Added Tax)
  • The Direct Costs are: The sum of the following costs.
  • Preliminary Works + Heavy Construction + Completions + Sanitary Installations + Gas + Electricity + Specialties (Heating, Automation (Domestics), etc.) + Exterior Works.
  • The Indirect Costs are: The summary of the costs of the General Expenses + Utilities.
  • The “Preliminary Works” are all those works that as its name indicates the ones that are required and are previous and necessary at the beginning of works. (Clearing, fences, installation of works, bathrooms, basic sanitary facilities, etc.)
  • The Gross Work are all those works that contemplate the structure of the work. (Excavations, Foundations, roof structure (trusses), walls, etc.)
  • The Terminations are all those works that, as the name implies, give the structure its finish. (Decks, pavements, coverings, artefacts, doors, paintings, etc.)
  • The works of installations are those works that provide water, electricity, heating, controls, etc.)
  • The Exterior Works are those involved in accessibility, gardens and perimeter walls, fences, etc.

 Summing up a construction budget is the sum of:

  • Direct costs more
  • Indirect costs.

The direct costs comprise an itemized which should break down all the items of a work, which are represented and indicated in the Technical Specifications of Architecture, which are valued and these total the Direct Cost of work.

Indirect costs is the sum of the General Labor Expenses and the Profits or benefits.

To this sum is added the Value Added Tax (VAT) and we are against the Total Cost of Work.

Now where between the studies of publications, in the quantities that each item has that conforms the itemized. Where each item has its unit of measure, its quantity and its unit price.

The publications are the calculation of the quantities of these items.

Buildings construction

A company that may seem simple to the buyer but represents a real technical, administrative and commercial challenge for the developer.

Between the sale of land and the delivery of an apartment, what is happening? What are the main steps that allow a residence to see the light of day? How is the buyer involved in the project? Decoding of a building construction in outline.

  • The choice of the site

First step, the choice of a field. The presence of infrastructures, services, shops, liberal professions, transport is essential.

Proponents are also trying to find locations with as little nuisance as possible. Green spaces will be a real highlight. The region will be a key factor in launching the project. Elsewhere, where the market is mostly driven by investors or competing with the individual house, “we are more cautious, we want to be sure to market our programs.”

  • The feasibility study

The building permit is not easily obtained. The mayor and the local authorities will have to approve the project. The proponent must therefore carry out an analysis on the urban plan to know what it is possible to do in the municipality according to the architectural, environmental notebooks … It must gather technical data, on the ground for example with a geotechnical study. We see if we have to do a demolition, we study the history of the site to know if it is a former industrial site or not, whether or not to consider cleansing the soil which implies not insignificant expenses from a financial point of view.

At the same time an architect studies the feasibility of the building: its shape, its position … It is then that are defined more precisely the typology of the apartments and the percentage of studios, two rooms, etc. which will be built, which will determine the architecture of the residence. The developer asks the architect to develop his project according to the destination of the property.

  • The preparation of the commercial launch

The determination of the price. At this stage, all the technical elements are specified. The methods of construction, the thickness of the walls, the positioning of the ducts, the location of the exterior joinery, the surface of the terraces and balconies …. This makes it possible to precisely define the exit price of each apartment.

We weight the plus and minus of each apartment according to its surface of course but also according to its floor, its orientation … The additional surfaces are also taken into account during the establishment of the price. For example, underground car parks are more expensive.

At this stage, the land is not bought: it is still at the stage of the promise of sale. It is only once the credits obtained from the banks and the license purged that the land is bought. But the banks only grant these loans when the marketing is already started. “It varies from bank to bank, but they generally require that we have sold 30 to 50 per cent of the units depending on the location,” says Paul Jaquan, founding president of Reid. “Our visibility is low during the assembly phase, there is always a risk that the building does not see the light of day.”

However, the project is becoming more precise at this stage and all the teams of the promoter are working together.

How to sharpen teeth grinder stump

Grinders stump helps remove stumps from trees. This is done with sharp teeth that spin and grind through the strain until it can be removed by hand. Like any tool used to cut, you finally have to sharpen teeth grinder stump. The teeth should be removed from the stump grinder and sharpened individually. This process is done with a standard bench grinder and a special diamond grinder disc. The whole process can be completed in a single afternoon.


  1. Remove the teeth from the stump grinder. Use a screwdriver or hex wrench to remove the mounting screws for each tooth. Remove the tooth. Refer to the instruction manual for your particular model for additional instructions if necessary.
  2. Put on mask shield and dust. Fill the container with water and place it within reach of the bench grinder.
  3. Turn the mill. Allow the grinder until it has reached full speed.
  4. Retention of the tooth grinder stump to the diamond wheel of the bench grinder. Keep the tooth at an angle that matches the original contour of the cutting edge factory.
  5. Pressure Apply slowly moving the tooth back and forth laterally on the face of the wheel. The pressure of the roller from one edge to the other for the edges and the corners of the camber. Immerse the tooth in water every two to three minutes to cool the metal and avoid damaging the wheel or tooth. Repeat for each tooth.
  6. Insert the teeth back into the stump grinder and secure them with the mounting screws.