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BGB 632a. 3 If the customer is a consumer , and if the subject-matter of the contract is the construction or conversion of a house or comparable building , the customer must be given a security amounting to five percent of the remuneration claim on effecting the first part payment for the correct implementation of the work without major defects . If the remuneration claim increases by more than ten percent as a result of amendments to or supplements of the contract , the customer is to be given a further security of five percent of the additional remuneration claim on effecting the next part payment . At the request of the contractor , the security is to be provided by retention such that the customer retains the part payments up to the total amount of the security owed .