Bank appraisal before financing approval

That's exactly it...
Even though nordannay is of course right: you have to consider how much the risk of paying the appraiser in case the deal falls through is worth to you.
It is and remains an erosion of judicial decisions. And those are certainly worth something in a state governed by the rule of law.
Otherwise, banks could in principle also revert to passing their own costs on to the consumer and then reject the loan application for whatever reasons.

We have been through exactly that. The bank gave us the green light for a property. The exposé was (apparently) reviewed, the bank's own valuation software was run. All good. The appraiser was sent out and told us that everything was as described and it would not fail because of the property. We could already see ourselves living there. Two weeks of uncertainty seemed to be ending well.
And then came the rejection. The property was valued significantly lower, and suddenly we had too little equity. (Which probably influenced each other).
A second bank then immediately said after entering the data into their system that the property would be valued significantly lower as well.
So it has a bit of a bad taste that the first bank did not do a proper preliminary check. Annoying for us because we had to wait so long for the rejection, but at least the bank itself was to blame for sending the appraiser out relatively pointlessly and causing costs.
I do not want to have to pay the appraiser in such situations.

Edit: in our case it was a simplified appraisal due to the purchase price being under 400k

A second bank then immediately said after entering the data into the system that the property is valued significantly lower.

The problem with the farmstead in the outer area is that a system check there yields exactly 0 results. Not even usable for a rough estimate.

I don't understand some customers. There is a property that has been wanting to be bought for years and then something like this. Have you spoken to the seller about whether he will share half? Also asked what costs we are talking about?