Assessment New Construction 2025/2026 - BW Rural Area

Regarding your buffer: You haven't even listed connection costs for the utility providers, you only write "possibly included". However, these are never included and always have to be paid separately. You also haven’t included the costs for the permits. I think you should seriously consider what else will come up besides the pure construction costs. Your buffer is very optimistic and in my opinion will not be enough.

To be fair: the table includes €15,000 for utility connection costs. I don't know if this has already been researched (usually this can be figured out quite well in advance). The people around here have paid somewhat less or somewhat more in some cases. Overall, that seems to me to be within a possible range for now. I agree on the garage – it is both underestimated and clearly not included in the budget. Also an important question: Is there already a soil survey?

Why €3,500 for notary and land register? The property is already owned.

Registration of land charge? (It will probably be somewhat cheaper based on my feeling, but I won’t research that now.)

and also among acquaintances and friends, no one was able to realize this below the mentioned amount -

Besides the sex topic and salary topic, there is a third topic where a lot of lying happens, namely the house topic.
Either people complain because they want to be pitied or they pretend it is only for those who can afford it

Realistically, it is hardly possible to build under 500-600k EUR in 2025 (and yes, we have spoken with many providers of prefabricated houses, solid houses etc.)

This is, for example, a statement. Is it only hardly possible? Then it is possible.
I don’t know who you talked to there, but actually the sellers want and need to sell and make numbers. And yes, under certain circumstances they do that, sorting the wheat from the chaff right away so they don’t waste time with those who either don’t have land or who actually can’t afford it. However, they don’t make their product more expensive than it is. Rather, they understate it – how much house building really costs is noticed with the upgrades and the on-site incidental costs. You can see it yourself in your breakdown with the question mark items.

Construction prices, incidental construction costs, craftsman services, etc. have risen massively in recent years.

We know about the costs. If I take the current advisors here in the forum, many have been hobbyists here for 12 or some years (some repeatedly), some have built several houses or already completed at least two financings, there are those who have more life experience in age than you and your girlfriend combined, but also those who are currently building have the same concerns. But always the current construction figures and costs, interest rates, the desired mainstream in house building and the retreat from large expensive square meters (direct passage from garage, pantry, dressing room), basement, the double garage with the Audi in front, the subsidized granny flat, and even the retreat to a row or semi-detached house are present, while we prolific writers still consider a retreat to be more sensible than viewing it negatively (as the affected often feel).

There are advisors here who have been involved with house building for two, three or four decades (or only in the last year). Like you, they developed a dream back then and live in single-family houses, some more or less what they dreamed of, but certainly with the knowledge of where to save if their own income is not enough for what is seen in glossy brochures (Instagram) or next door or among colleagues and friends.

You can believe them because they want to sell you/nothing.
Many questioners here gradually adapt their big house dream to a more realistic one – and this does not make most unhappy but rather satisfied, because they have something they can comfortably afford.
In this thread, unfortunately, providers 1 and 2 are the unknowns. The question arises: why are there so many question marks whether inclusive or not, why do the offers differ and in what?
It would be helpful if you named the house companies and anonymized your personal data and had the BLB compared. Because further costs are also included there.

Ps: started similarly like you here, his numbers are similar.
https://www.hausbau-forum.de/threads/finanzierung-neubau-was-koennen-wir-uns-leisten.47231/

And that EXACTLY is what determines the final price. 160 sqm "must" be the standard nowadays. Then you simply can't build cheaply - plus the upscale wishes.

The standard square-footage villa sets the "standard" at 160 sqm from a 10m edge length, with 9.5m edge length resulting in 140 sqm. Then a T is placed in the bathroom, visually shrinking the ballroom. Next to it comes a double garage (as long as the dog’s tail, barely smaller) for the two cars needed to commute to the two full-time jobs required for financing. So far, so 7016 (the new standard), the OP basically only tops it off with the gilded fly screens.

1. The providers are not named. That makes it difficult for experts to estimate what additional costs are foreseeable. It’s like this: With some providers you can build cheaply if you don’t upgrade – but you start off with a fairly low standard. Other providers appear cheap but the nasty surprise comes with incidental building costs or other items. Other providers calculate quite accurately from the start and call out a higher sum from the beginning. I don’t know what the case is here.

I agree there as well.

The cheapest house with the size you mentioned, 125m², costs 270 TEUR from the provider we listed.

Yes, the catalog base price. It could be the budget provider Town & Country (or a similar one), where you still have to add one third to have everything finished and habitable.

The surrounding costs should not change significantly, so we would still be at a total of well over 500 TEUR for the entire project.

.. is still roughly 200,000€ cheaper than the approximate 750,000€. But I now simply question a house project where you get to a total of 750,000€ with a budget provider, assuming that the additional costs (BNK) can rather be positioned in the average low sector because it is so and does not demand particular surcharges. But I have already mentioned earlier that the listing is not clear and, in my opinion, full of errors, sometimes exaggerated, sometimes questionable, and then again incomplete and wrongly sorted.

Thank you very much for the feedback and the interesting discussion.

Of course, I also appreciate critical remarks. Nevertheless, I would like to emphasize that the attached list was a first indication, some items still had to be gathered, and others were only included optionally (e.g. fly screens). We have mentally said goodbye to provider 1 - as they are actually above our budget. I neither own Instagram nor play Sims. I also do not own a new car, and we probably know our personal situation over the past few years better than some forum readers. The finances are also tracked in detail every month, and both cars are paid off. We celebrated a wedding that cost a bit, and we renovated our apartment extensively, which cost 75,000 EUR (already fully paid off). Still, I thank you for the feedback, because based on it we can draw the right conclusions.

The point about the fly screens is fair, so I have initially removed them. – thanks also for your really kind comments. We do not need smart home gadgets, an expensive mailbox, or cameras either. In the BLB, in fact, many things are already included as standard, and I have worked out and listed the points that are not included. I also took the comments to heart, and we have also considered a second building type, which is almost 130,000 EUR cheaper (with the same square meters).

I have updated the Excel (which for some was complete rubbish; sorry for that – I haven’t built that many houses in my life yet). Yellow items are approximate costs which can possibly vary up or down. Blue marked items are optional – we could initially do without them. This results in the following overview.

Any opinions? Is anything missing? Have we overlooked anything?

Would you like to post more details about the two houses and also floor plans, because exactly that significantly influences the costs. I have built repeatedly but because of all the costs, I can only say that quite a few things still come up that weren’t on the list before (at least not for me). I would question a few things again very carefully or really deal with them more closely. The fly screens don’t have to be zero, I didn’t want to scare you that much. HVAC system: You will be living in a tight house and should familiarize yourself with the pros and cons of an HVAC system in relation to your situation there. Fireplace stove: You plan WP+FBH, and here too I strongly recommend checking the sensibility, because together with the fireplace + stove you’re quickly at €15,000, which I would certainly use elsewhere or save if I planned FBH. I would rather give my plaster a nice color or maybe clad something of the facade with wood yourself or something like that. We haven’t even talked about the terrace and especially the roofing of it. Some points don’t mean anything to me or even seem set too high but that will somehow be conveyed in the end. Now to my core point. You want to build YOUR house and are now writing that you can get two almost equivalent houses with a difference of €150,000 from the same provider? You still need the BLB to be able to evaluate the whole thing here, but what is so different about the other house type that it costs 150k more/less even though you consider both as possible options?