@@Tamstar
What are the ancillary building costs of 50k ..?
As far as I know, the ancillary building costs already include the architect (without construction management function)..!?
As I said, that was the cross-section of the posts, not my own estimate. And the estimate is not a fact either. So "IS already included" does not exist. It can be included, it may not be included. You would have to break it down. Regardless, an architect with a fee of 55k can hardly be included in 50k ancillary costs, you realize that yourself, right?
Here is a thread about what is included in ancillary building costs:
Notary fees, for example, also do not disappear in the case of a gift. Gift tax has already been mentioned...
Don’t get hung up on individual sqm or whether it is enclosed space/floor area/living area according to the Living Space Ordinance. It is a RULE OF THUMB. But somehow you don’t want to understand that?
Otherwise, you didn’t respond to my question. Is a higher financing amount not possible?
Have you talked to regional general contractors? Are they currently offering fixed prices?