Cost of a single-family house, where is the market heading?

that is speculation.. everything you don’t have in black and white.. is and remains speculation. You have such an approach and then it leads (e.g. in this forum) to the general and false assumption "Help, the one with the architect is suddenly 20% more expensive"

No, that is so far 76% reality and an accusation from you.

The tenders have been sent out and the offers are mostly available in black and white; if not in black and white, then written down in color.

980. Well, just cheer me up

Natural can also look pretty ... If you don't install everything, it might be cheaper. Do you want to raise (set L-stones)? That alone cost us around 6,500 euros.

Thanks for the info, but I don't quite understand one thing. Why does a bank finance a €50,000 buffer as well, although this is not stated in any offer?

You could also simply subtract the 50k from the equity... Then you have the same effect.

No, that is so far 76% reality and accusation from you.

The tenders are out and the offers are mostly in black and white; if not in black and white, then written down in color.

Don't get me wrong. You are already a few steps ahead. I meant it like this: When the architect gives an estimate and says "that works, because I know all the trades and know what prices I get"... at this point it is speculation. I am talking about the time when the contract with the architect is made.

Thanks for the info but I don't quite understand one thing. Why does a bank finance a €50,000 buffer even though this is not mentioned in any offer?

Exactly. Either deduct it from the equity or increase the architect's estimate accordingly. The bank doesn't care at all. The more credit they grant, the better for the bank. Only serviceability and collateral matter.

[Natürally untreated can also look nice ... If you don’t lay everything, it might be cheaper. Do you want to raise it (set L-stones)? That alone cost us around 6,500 euros.] Neither. Apart from the lawn (preferably turf) and terrace, there is no plan yet. The front is also important. Driveway, etc.