Construction costs are currently skyrocketing

Maybe it's all just cover ups for money laundering :D

Well, there are really nice things. It’s just that the expensive freestanding bathtub looks cramped in a corner, etc. I always had in the back of my mind. To quote loosely: "The same water comes out of Ideal Standard as from the expensive ones." He had written something like that back then. Then there was the hairdresser who told me her little one sawed on the sink, mine had with a lot of force slammed a toy car into the sink, and somehow the desire to spend a lot of money disappeared.

yes, my neighbors also have vigour, for example. They also managed to build the brick-clad 125m2 bungalow including ancillary building costs for 1100€/m2 with a lot of own work. (built in 2020) The payments to the bank are also only 600€/month accordingly. Many roads lead to Rome

Doesn't play a big role (in my calculation for you), as a 10-year follow-up financing until the happy end. So only €115,000 is financed…
However, a colleague is currently having similar experiences regarding the interest rate with a good loan-to-value ratio (and otherwise good average values).

a 2,x% nominal interest rate is quite high for that. Wow. Didn't you receive an offer below 2%? That surprises me. It does play a role when the loan is redeemed after all. There is a difference whether your loan is redeemed in 08/2022 or 12/2023.

The funny thing is that these beige-gray wet rooms all look almost the same in the end. And in 10 years they will also seem outdated.

It doesn't matter what you install today, it will seem outdated in 10-20 years anyway. That's just fashion.

Therefore, build as timelessly as possible, so you'll still be happy with the house in 10 years ;)