Construction financing single-family house - What is possible, what do you advise?

I am also currently in financing talks, but no one really cares about the BAföG debts that are due at the end of 2020. Also, the conditions have not worsened by even a tenth of a percent. An advisor said that BAföG debts are the best debts one can have.

I had heard something similar. As I said, I am not yet sure how exactly I will do it. However, I believe this loan does not weigh particularly heavily. Thank you!

I had heard something similar.
As I said, I'm still not sure how exactly I'll do it. However, I believe that this loan won't be particularly significant.

Thanks!

With a high loan amount for the house, it can even be cheaper to invest the money for the immediate BAföG repayment into the house to take out less external financing and to repay the BAföG separately in the minimum amounts.

I don’t see any disadvantages at first in the room above the garage. You just have to ensure the insulation is done properly.

The 165 sqm sounds quite realistic for three planned children. We have two children, 140 sqm and an office. One more child could have the additional room there including a small bathroom. That helps with 5 occupants.

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Interior kitchen furnishings etc. €80,000.00

Could you break that down? It seems as if you have really high expectations.

If you subtract interior furnishings and exterior facilities, it would be €360,000 for 165m² including ancillary building costs.
Seems very unrealistic with a steep slope.

Missing from the list are: architect, your garage, basement, further ancillary building costs, and a buffer: I claim €100,000 or more for a slope location. On the other hand, it seems you do have craftsmen in the family. Are the prices coordinated with them? I would always plan independently of friends and family first, and next to the items write how much can be saved after consultation.

Would you like to break that down? It comes across as if you have insanely high demands.

If you subtract interior design and exterior facilities, it would be €360,000 for 165m² including ancillary building costs.
Seems very unrealistic with a steep slope.

Missing from the list: architect, your garage, basement, further ancillary building costs, and a buffer: I claim €100,000 or more on sloping ground. On the other hand, it seems you do have craftsmen in the family. Have the prices been coordinated with them? I would always plan independently of friends and family first, and next to the items write how much can be saved by agreement.

This includes kitchen, bedroom, bathroom fittings, etc.
Because we want to save the buffer from the bonus payments of our employers (approx. 4 - 5k/year).
I take the prices for the individual trades from an acquaintance who is currently building. Here, I have, for example, material prices and the like.
Since construction is done differently with us (basement, garage, etc.), these values cannot be adopted 100%.
Friends and family are currently not 100% planned. However, with us, if someone has a construction concern, they also pitch in. Most are skilled craftsmen here.
I will include the savings in the list, thank you.

Why should I plan another €100k?
I understand architect, the garage should be covered by the mentioned sums?

Thanks in advance.

He probably means an additional 100k for the hillside location (basement), garage. For my construction project, I am currently at 310k for 140sqm with good fittings and a double garage but without ancillary construction costs, outdoor facilities, kitchen, or land on an almost flat building site. I have many offers. It hardly gets cheaper.