Bank does not accept own contribution

No, that was not a slip-up

Alone in the interior construction, over 1500 working hours have accumulated with us. No time-consuming special equipment. By craftsmen who did not acquire their skills through tutorials, who are not tired working a few hours after work. That is more working hours in a year than in a full-time job. Private life is also not on hold. Childbirth, birthdays, help in the family, sick. A simple pneumonia puts everything on hold for 2 months.
Waiting for craftsmen, for materials.
You are at the very end of the list.
You need longer. Much longer.
How long do you think you can maintain this workload?

Do you report own contributions or does the bank not ask for invoices?

Then 2 years would be OK for me as well, since you live with your parents rent-free during the construction time.

No, they are paid with equity. There's no invoice that could be given to the bank.

Does your girlfriend know about these plans and support them? Just imagine, she suddenly wants to get pregnant (and actually does)

I have additions for plan B (and A): Leave out the €100,000 garden play with pool etc. Do only the house and deal with the rest when you live there.

I have additions for Plan B (and A): Leave out the €100,000 garden play with pool etc. Just do the house and tackle the rest when you live there.

Could it be that the trend to award contracts to developers has only existed for a few years? In my parents' neighborhood, in the 80s, everyone at least did large parts themselves.