Hello
Just a quick info... I'm from the industry...
Question: Do you like throwing your money out the window?^^
Go to a general contractor and have everything done there....
Has several advantages:
Planning security, no unnecessary costs for external parties,
In your example at least 50K savings^^
Many developers also have several expansion stages and extras, so you don't have to drive yourself crazy....
A good financing expert would immediately advise you to do it differently.....
otherwise, you're just running around to the bank because they want some proof.
For the QM, I would make 2 full floors without knee walls and narrower instead, if the eaves height and ridge height allow it.....
Advantage... cost savings, as the basement then becomes smaller and cheaper..
The incidental costs important for the bank are:
1. Grundstückskosten
1.1 Grundstück
1.2 Erwerbskosten
a) Land registry and notary fees (0.8% - 2.0%)
b) Real estate transfer tax (5% depending on the federal state)
c) Broker commission (approx. 6%)
d) Surveying costs
e) Other costs (excavation)
1.3 Erschließungskosten / Baunebenkosten
1. Water connection
2. Gas connection
3. Electricity connection
4. Drainage
5. Connection of the lines through the street
6. Administrative or authority costs
7. Other incidental costs (during construction)