Something on the side about the topic "garbage truck driver".
My brother-in-law, a trained car mechanic and now a garbage truck driver at the municipal waste disposal service, has more money gross in his pocket with overtime and shift allowances than I do as a banker with a degree.
Allowances (and overtime) should not be used for comparison, as they are only financial compensation for the disadvantage of working hours.
But to the OP, LBO1987, even if you have now decided to postpone the house construction.
The ancillary construction costs, which lie with the builder, namely with you, are worth mentioning.
I see some gaps in the list, i.e., the BU did not tell you that some of the earthworks, for example, also need to be paid for.
I also wonder that, in your opinion, a relatively inexpensive house should have enough sockets... Our house has a good standard, yet we had to pay around 10,000 for some extras that we can’t even see yet. I can’t even enumerate them for you because some extra circuits, rainwater systems, platforms in the bathroom or in front of the house cost money.
The emergency fund of 10% of a construction project has already been sunk somewhere during the shell construction at every one of our neighbors.