Cost breakdown for turnkey home financing - feedback?

Hello dear forum members,

after I have read through forums and a major well-known search engine for well over 100 hours, I would like to show you my cost breakdown.

My girlfriend and I will be building with Town & Country. It will be a two-story city villa Flair 152re with 149 sqm near Peine. The plot will be purchased privately. No realtor. I have formed 6 categories. Development costs were requested and provided to me by the responsible departments, so no wish prices.

1.House 242,600
Turnkey house
(excluding painting and flooring work)
6-room version
Floor slab
Soil survey (not yet conducted)
Earthworks (removal of topsoil 30 cm, filling of missing height)
Roller shutters overall
Bathrooms and guest WC tiled including material 25 Euro per sqm
Air-exhaust chimney
Underfloor heating overall
Sound insulation class 3 windows (not required, but wanted)
Ytong walls 36.5 cm
Security package RC2 windows and front door
Radiators with towel holder function
Insurances

2.Plot 85,850
Plot (21*50m - 1000 sqm) 70,000
Electricity/Gas (including 20m trenching) 2,400
Water (trenching included in electricity/gas price) 3,100
Wastewater (3.1 per sqm) 3,100
Telecom 800
Rainwater (1.45 per sqm incl. 2m behind boundary) 1,450
Construction cost contribution per meter water association (outrageous^^) 5,000

3. Electrical 4,150
Additional costs (I am an electrician and know what I want here)

4. Incidental costs 28,600
Notary/land register/mortgage (3%) 2,100
Property transfer tax (5%) 3,500
Construction water/electricity/toilet including consumption 2,000
Additional foundation 7,000
House connections (11m distance + a few meters width > wastewater/rainwater handover) 7,000
Building permit 1,000
Surveying 2,500
Construction road 1,200
Chimney sweep 300
Curb lowering 2,000
Structural engineer not necessary

5. Interior finishing 17,800
Floors 131 sqm (including support) 5,700
Wallpapering and painting walls (material) 1,000
Furnishing (supplementing current household) 1,500
Fireplace including installation ("hardware store" quality) 2,500
Kitchen (not Küchenquelle or such) 6,000
LED recessed spotlights for ceiling overhang & attic lighting (material) 600
OSB boards (22mm) for 40 sqm attic 500

6.External facilities 14,300
Driveway (44 sqm) and terrace (24 sqm) paved with concrete pavers 6,700
Fences/gate/hedge to street 18m 3,500
Rainwater barrels (2*800l) 1,000
Plants 500
Garden furniture and smoker 500
Tool shed 1,500
Mailbox and house number 200
Outdoor lights 400

Total 393,300 Euro.

Additionally, I have planned:
Sampling 4,800
(Themes French balcony in stainless steel, window sills, interior door with glass, front door, guest WC base tiles and frosted glass for bathrooms to be implemented. Ideal case. Otherwise, we will prioritize)
Construction period interest (despite 9 months free) 4,400
Reserve 5,000 (or something in the area of external facilities or interior finishing must be postponed)

Does anything significant come to mind?
Of course, 15,000 Euro can also be planned for the kitchen, a fireplace worth 5,000 installed, or a higher tile price per sqm chosen. However, these are rather secondary to me. Primarily, I would like to know if I have forgotten something significant.

Many greetings and thanks for reading!

Well, it won’t be enough in terms of coal, but that’s just as a side note. Ytong 36.5 and soundproof windows? That unfortunately doesn’t make sense, because Ytong will always be the major weakness. I would take KS, if anything!

Well, it will not be sufficient in terms of sound insulation, but that's just as a side note.

Ytong 36.5 and soundproof windows? That unfortunately doesn't make any sense, because Ytong will always be the big weak point. I would take KS, if anything!

Why and what is not sufficient? A more detailed answer would be helpful.

Ytong insulation value 42db. SK3 windows result in 38db. So if I really want 38db, then I need soundproof windows of this class.

Sound insulation class 3 windows (not required, but wanted)
Ytong walls 36.5cm

Is nonsense, but you have to know.

Security package RC2 windows and front door

Also unnecessary in my opinion. Watch some videos about that on YouTube.

3. Elektro 4150

Additional costs (I am an electrician and know what I want here)

Are you doing it yourself? Otherwise, that’s relatively little. The standard everywhere is basically a joke.

Floors 131sqm (including support) 5700

I find that too little. Think about skirting boards etc....

Walls wallpapering and painting (material) 1000

Wallpapering?????
Don’t underestimate the painting work. Painting for the cabin by a company is probably around 12,000€-15,000€.
1000€ will NEVER be enough.

Furnishing (supplementing the current household) 1500
Fireplace including installation (“hardware store” quality) 2500
Kitchen (not from Küchenquelle or similar) 6000

Appliances available for the kitchen? Otherwise MUCH too little.

LED recessed spotlights for ceiling overhang & attic lighting (material) 600

Are you doing that yourself? Otherwise, it will be tight. Spots at the electrician from the general contractor 150-200€. Just for the connection!

OSB boards (22mm) for 40sqm attic 500

And then?

6.Außenanlagen 14.300

Driveway (44sqm) and terrace (24sqm) paved with concrete pavers 6700
Fences/gate/hedge to the street 18m 3500
Rainwater barrels (2*800l) 1000
Plants 500
Garden furniture and smoker 500
Tool shed 1500
Mailbox and house number 200
Outdoor lights 400

The only item in your list that might be about right if you save a bit.

Total 393,300 euros.

Won’t work.

Calculate a buffer of 10,000€-15,000€. Strike garden furniture and such nonsense from the calculation. The important thing is that the house gets finished first. Garden furniture for 10€ from Poco will do for the first few months.
Recalculate. With the additional costs, it might work out, but you massively underestimate the little extras. We are in the same situation right now, but have a buffer of 30,000€.
Little things add up everywhere. Suddenly a different tile. Then here another door handle, maybe roller shutters still on the upper floor. Corner protection strips in the bathroom and so on and so forth.

Here is a rough overview of where we have spent a lot of money. I just quickly skimmed through our Excel list and roughly rounded.

Showers tiled floor-to-ceiling 2x - 2500€
Roller shutters complete 7x (only had them in the living room in the price) 4500€
Different door + door handles 800€
Different tiles (price per sqm was okay, but the format was not standard) + laying the tiles vertically in the shower 1500€
Shelf in shower and bathtub - 500€
Stairs (usually just beech) 6000€
Kitchen (unfortunately we had absolutely nothing except a freezer with 3 compartments, even our microwave is from the landlord...) 13500€
Electrical (we are doing everything in EL. Smarthome with automatic control etc.) 10000€
Painting work (done by a friend who is a master painter) 6000€
Paving work approx. 80sqm (done by a family member who is self-employed) 6500€
Construction supervisor 2000€

In general, I have to say that we unfortunately had no room to negotiate the prices. That is the disadvantage of a GU. If you can assign the trades yourself, you can save quite a bit of money by simply getting multiple quotes. Here you are mostly bound, and either you pay or you don't get it. They have enough work anyway.

That’s nonsense, but up to you.

Why? Normal windows are around 25. If you want to reduce a certain noise level, then it’s 38dB. What use is a wall with 42 if the windows let in 17dB more.

Also unnecessary in my opinion. Check out some videos about it on YouTube.

Sense of security. At least something has been done. There is an extra protection for the shutters.

Are you doing it yourself? Otherwise that’s relatively little. The standard is a joke everywhere anyway.

Those are the extra costs. Planned based on a cost estimate from someone who built two months ago + 10% allocation.

Wallpapering????? Don’t underestimate the painting work. Painting for the hut from one company is probably around 12,000€-15,000€. 1000€ will NEVER be enough.

It also says material. Not painting company.

Appliances available for the kitchen? Otherwise WAY too little.

Didn’t I write below that we don’t need a high-tech or expensive kitchen? For 6000€ you can already get decent kitchens. At the moment we live with a 2000€ kitchen.

Are you doing it yourself? Otherwise it’ll get tight. Spots from the general contractor’s electrician 150-200€. Just the connection!

Again material. Do you even read properly afterwards?

And then?

I’ll lay down a few panels as additional storage space.

The only item in your list that could be right if you save a bit.

Thanks.

There are always little things that add up. Suddenly a different tile. Then here another door handle, perhaps shutters still on the upper floor. Corner protection strips in the bathroom and so on and so forth.

Shutters overall? Nothing added on the upper floor because it’s included.

I find it difficult when I ask for help but people don’t even read exactly what I write.

Actually, I wanted to send the text now, but your second answer showed me that you really care. Thanks!

Stairs, smart home, kitchen are not necessary for us because we planned these according to standard or for our idea. Shutters, as described above, are included for us. After deducting my extra costs for electrical, there is already a 23,000 euro difference. With the painting work in electrical trade included, we are at 28,000 euros. What is your assessment now? Still so unreasonable?

The storage compartment in the shower is a good tip!