Costs are rising sharply - is additional financing currently possible?

If you have two useless rooms at the top, any involvement of architects would surprise me...

Somehow, yes. On the other hand: how do you then get building permission and financing?

If there are two useless rooms upstairs, I would be surprised by any architect involvement...

Downstairs 120sqm means that there is an office (15sqm) and otherwise bathroom/WC (12sqm), hallway (10sqm) as well as a slim kitchen and living/dining area in the remaining 83sqm. Honestly, it can hardly be less than that. Otherwise, it gets cramped ;) . And upstairs then an office (15sqm) as well as bathroom (20sqm) and bedroom with dressing room (40sqm). The rest is taken up by the ballroom (45sqm). @ TE: Please post your planning and calculation in a separate thread. So far, unfortunately, not much has come from you.

I am somewhat surprised by this question… You are building a house of about 360 sqm, however that came about, it has very little to do with knowledge of house construction costs/salaries. Every unnecessary sqm makes a house expensive after all, you don’t have to be a mathematician for that. A heating system doesn’t need a 120 sqm basement, which costs around 120k. And an office the size of a bedroom on the ground floor makes the ground floor in a house of normal-good size grow to about 80 sqm, with a technical room then up to about 90 sqm or so. But not to 120 sqm without a technical room.
People already considered 10 years ago whether an expensive basement was necessary or, calculated upwards, whether the house could still be paid for in stressful situations.

But somehow the baby has already been thrown out with the bathwater with you.

Furthermore: …

So I already think that the budget goes quite far, definitely up to the tiles and also for the kitchen and (at least one) bathroom equipment.

… if you think the budget goes far, then the question is superfluous?!

What if I only want to spend an extra 200€ per month? Will that even be approved?

What would be a common practical example here and a monthly rate that is still manageable?

You have to ask your bank that. We don’t know your other liabilities that could possibly speak against it.

So I would almost claim that with over 600k you could still get very far 3-4 years ago.

How far (or rather not), someone else has already calculated. And what was 3-4 years ago doesn’t matter today anyway.
If I could theoretically afford 200 sqm a few years ago, now I can “only” afford 150 sqm. That is “going with the times”.

I also find these statements somewhat dangerous, they sound a little _too_ naive to me! Almost unimaginable:

and it’s not so simple to calculate total costs

when you have to hurry with the loan because interest rates are rising daily.

But ultimately you are adults, so you should know what you are doing – I don’t want to patronize with my remarks!!!

However, these thoughts should be considered:

Not everything has to be finished upon moving in, that can also be done over the years.

How do you imagine that?
Unfortunately, I see that with the self-performed work, significant delays will naturally occur. Although you don’t have a financial double burden, you of course can’t accomplish that much alongside your jobs (each with a 37-40 hour week). If you consider that you need three times as long as a professional, may have to do some things again, the house construction can be delayed from about one year to three years _plus_ if you can only really work on it during weekends and vacations. And I don’t mean the small finishing touches of the interior. With a KfW program there is also the question whether you can even do the insulation yourselves… And then the planned parental leave comes into the calculation, where some salary falls away.

In your place, I would get someone on board who can calculate realistically. Add 20% on top and then see further if it doesn’t fit. Maybe you can compress the upper part of the house a bit with a construction stop and change request.
Because you really have to love each other a lot to “earn” money by self-labor every free minute over several years, because otherwise you can’t afford the house. At some point the rose-colored glasses get dusty, cloud 7 evaporates and all patience runs out. Unfortunately, you often don’t see hearts anymore then.

Repayment of the loan is around €1200 per month.

Total costs for the house (if through a company) ==> about one million

Even if the equity is deducted from that, the total costs to the OP and the actual ones are far apart.
And €1200 per month for a place like that... i had a dream...

hi! we have just started building the house. 2 full floors + basement + garage. Area per floor approx. 120m² The plot was already available beforehand. Equity is about 280k, we have a loan of 300k (divided into 2 parts, one with 1.9% (10 years), the other with 2.4% (15 years) and a KFW subsidy of 55k. So we have about 630k available. We want to contribute a lot of own work. Repayment of the loan is about 1200€ per month. There are two of us (early 30s) and together we have a net monthly income of 5500€. (Each earns about the same)(Which of course could be halved if children come). Currently paying no rent. What I am wondering now is, what if we run out of money? Re-financing at over 4% interest? Is that even possible right now? What other options are there? What is your opinion? Is it budgeted too tight or will it work out?

Our significantly smaller 1.5-story house with a basement but without a garage cost more in total 5 years ago..... That probably won’t work.....

So regarding the area: Because of the heating, which requires a lot of space, we decided on a basement. Then we wanted to have an office on the ground floor, so we ended up with 120 sqm. On the upper floor, 1-2 rooms less would be enough for us, but oh well.

Do you use oil or pellet heating?