1. The plot of land – the most important beginning

The first step is always buying the land.

Geological survey – a mandatory step

When choosing a plot of land, it is very important to request a geological survey

Why is this so important?

It determines how good the soil is

It affects the type and cost of the foundations

It can significantly increase construction costs

Poor soil = higher costs

Soil replacement

More expensive foundations

Special engineering solutions

In some cases, costs can increase by as much as 30–40%

How much does the survey cost?

If it is not available from the seller, you can carry it out yourself (~€300)

If the survey results are unclear:
Arma Houses consultants will provide a free consultation

Utilities and access

Before buying, evaluate:

Electricity connection

Access road

Water

Sewerage

Approximate costs:

Water bore – from ~€3000

Sewerage – from ~€4000

Road project – ~€1500

Electricity (Sadales tīkli) project – ~€1300

If this is already on the plot, it is a big advantage and saving

2. Choosing a house and comparing costs

Once the land is chosen, the next step is to choose the house type and project

This can be:

Modular house

Timber frame house

How to compare offers correctly?

Important:

Compare more than just the price

Look at what is included in the package

Pay attention to energy efficiency

Many offers look cheaper, but they are not complete

📖 Read more in our blog:

How to compare modular houses and timber frame houses by price per m² and avoid making a mistake?

(https://armamodular.com/blogs/news/ka-salidzinat-modulu-majas-un-koka-karkasa-majas-pec-m-cenas-un-nepielaut-kludu)

3. Financing and starting construction

If bank financing is needed:

How does the process work?

1. Plot of land + house project

2. Submitted to the valuer

3. The future value of the property is determined

The bank evaluates this as one combined project

When should you go to the bank?

1. Before everything else → to understand your budget

2. After choosing the project and receiving the valuation → to get a specific offer and sign the loan agreement

It is important to follow the sequence

Cooperation with the bank

Arma Houses cooperates with SEB Bank, and our consultants can:

help you understand the options

prepare the necessary information

Construction process

Once financing is approved:

1. Submit the project to the building authority

2. Receive the building permit

3. Start construction

Arma House handles all these steps for you

 

Conclusion – the correct sequence

 

If you want to avoid mistakes:

✔️ Plot of land + geology
✔️ Utility assessment
✔️ House selection and price comparison
✔️ Financing
✔️ Construction

This sequence helps save both money and time

Need help?

If you are planning:

a modular house

a timber frame house

👉 Arma Houses will help with:

free consultation

project selection

the financing process

Contact us and start your journey toward a new home today