Construction technician wants to plan a house

Hello,
I am currently doing my state-certified construction technician course. I am currently working as a bricklayer and studying on the side.
Now my question about house building. According to the Württemberg State Building Code, a construction technician may plan a house up to a floor area of 160m² and one full floor. My "plan" for the future possibly foresees that I will design our single-family house myself. I am confident that I can do that. Now my most important question: How does the bank see that? In terms of financing? I will also calculate the cost estimate myself.
Has anyone already gained experience or information about this?

I would view it critically. But banks have appraisers who can basically assess a project initially to determine if it is realistic.

I mean, just through the planning alone you save at best the architect's fee for the planning, i.e. 5-10 thousand euros. So the rest should roughly correspond to the price that would also be incurred in the case of construction with an architect or [GÜ] or [BT].

I would be critical of it. But banks have appraisers who can basically assess whether a project is realistic in the first place.

I mean, just through the planning alone you could save the architect's fee for the planning, i.e. 5-10 thousand euros at best. So the rest should roughly correspond to the price that would also be incurred with a construction with an architect or general contractor or construction manager.

Ok, thanks for your answer first. 5-10 thousand euros is already quite a lot of money that I could possibly save. What do you think about the idea of hiring an architect up to the building permit planning and then doing the execution planning, construction management, etc. myself? How much architect’s fee would I save approximately? And do architects even do that?

How much approximately would I save on architect fees there? And do architects even do that?

Yes, architects do that. The scope of the contract, for example service phases 1 to 4, or a staged contract, must be agreed upon beforehand and the contract must be reviewed. The savings can be determined using the HOAI calculator, for which you also need to have ideas about the quality standard of the building to be constructed. It can also make sense to commission further service phases because otherwise there can be "breaks" between design and execution that can affect the overall result. Also, not every expense saved on the architect is actually a saving, as the planning services, for example from service phase 5, can then indirectly appear in the contractor's invoice. Liability issues also need to be considered.

WD

Hello...
so the banks agree to almost everything as long as the calculations are comprehensible and realistic. It is not true that the calculations must or have to be made exclusively by architects.
You can talk to the banks here and certainly also do without an architect. Everything just has to fit. The banks check everything very meticulously. But architects also make mistakes in their calculations and some architects "beautify" calculations so that homeowners can get their loan.
I know enough homeowners who have had their own construction work credited, so why shouldn’t you be able to plan your own house and make a cost calculation? The cost calculation is quite simple: quantity survey multiplied by unit prices. That’s how architects learn it too.
I am full of confidence and keep my fingers crossed for you... and I am definitely sure that you can plan your own house yourself.

Best regards Ingo