Bank does not accept own contribution

If you have already calculated everything so precisely like the maximum weight of a beam, there must surely be a floor plan or some kind of construction specification, right? For the sake of clarity, it would be quite interesting if you could also post that here.

How do you want to install large windows or even a lift-and-slide door? Mine alone already weighs several hundred kilos.

In my opinion, it is presumptuous to think that all trades can be done technically and solidly without training. That means every craftsman with training is useless

I wouldn't put it that way. I deliberately choose a very simple construction method because I don't dare to tackle the complex, delicate, or whatever else. Of course, there are craftsmen who are unbeatable with years of experience in that. But there are also many tasks that are simply helper activities – I think that we are a good substitute here, no doubt about it. For anything more difficult, you just have to practice, research, etc. And quite a bit of experience is present as well. I neither want to be a better craftsman than those trained nor to devalue their skills.

I once calculated the maximum weight of a beam to be 130kg. You can manage that even without a crane (pulley + 3 people), I think.

And how do you want to pull? You only have a small scaffolding and you have 500 kg there with men. For one beam. Don't forget the leverage effect caused by the pulley. Where do you want to anchor yourself? Everything is very strange the way you're approaching this.

I am surprised that you can't do channel & screed! That is really simple work. Nothing delicate. I am disappointed

Who knows

That can be the way. Many banks do that, but not all. I would exclude direct banks. Small Volksbank/Raiffeisenbank or Sparkasse work quite well.

A plan is slowly taking shape: Architect makes plans and writes down costs for craftsmen I only specify the maximum possible accepted own contribution of 10-15% at the bank The loan should be callable for as long as possible and costs (interest plus compensation) for the unused loan amount should be as low as possible. Loan amount corresponds to the costs when building with craftsmen I do almost everything myself as planned. It works because the payment is made according to construction phases and not according to invoices from professional companies. Money that is not used goes back to the bank and if more craftsmen are needed than planned, at least sufficient financing would be available. Great help here!!

So you want to cheat the bank intentionally? Well, good luck with that...