Assessment of own performance and craftsman's hour

Good morning I am currently putting together my own work and wondering how banks usually evaluate something like this?

According to Google, the average craftsman hour costs 40-50€ net, so I assumed 50€ plus 19% and come to 59.50€

Do I now simply multiply my own work hours by 59.50€ and that’s my saved craftsman hours and done?

Or does a bank or financer evaluate this lower because I’m not a professional, but on the other hand need more time than someone who does this all the time?

my own labor hours

You won't be able to do that, because where a trained craftsman needs 10 hours, experience shows that the self-contractor needs twice as many hours.

Calculate assuming that you need 2 hours for what a craftsman needs 1 hour. And helper hours as you do them do not cost 60 net, rather 35 to 40. Therefore, I would set 20 euros per hour.

Our bank applies what a contracted craftsman would have charged for labor. So exactly what was saved through personal effort.

So I will simply refer to the whole thing as the value of the saved craftsman services and not the value of my own work. Then, if they want, the dear bankers can reduce or convert it.

"Value of craftsman services saved through own work" Whether it takes you twice as long and you still do it half as well doesn’t matter. Or rather, the expert will determine that it is not so good when the loan is fully disbursed and the bank wants to know what is actually securing the large loan...