Exceptional + generous, how to proceed?

: the entire area may be built on and the floor area ratio is 0.2. I didn't mention that further because that is no restriction for me. I still don't want to build that big. Eave height, ridge height, etc. there are no regulations at all. 1-story is definitely the only restriction. An architect looked at it beforehand as well.

: Of course costs and money matter to me. I do exactly as you wrote: I check my financial framework (€1,500,000, don’t like banks and dependencies, so pay entirely from own funds), buy a plot and check the development plan. Now I check what I get for my money or what I want. Others have an all-in budget of €500,000, I simply have €1,500,000 + land. (€1,000,000 house, €200,000 outdoor facilities + garage, €100,000 furniture, €200,000 buffer is my rough plan). What is so reprehensible about that or why should I be a troll?

Tastes are known to be different, but I simply prefer large open spaces rather than several smaller ones. The question is how you use everything. A 30 sqm bathroom with Jacuzzi and sauna is not too big, just like a living room if you combine TV corner, pool table, fireplace area, library, etc. all together.

: It wasn't the best year now, but I think it should be enough to build an object of this size, right? Now I am curious about your input.

I consider €100,000 for furniture too low, your kitchen alone will probably swallow €40-50k, couch €15k, bathroom furniture €10-15k, etc. Unless you have a preference for Ikea furniture, then it might be enough. Regarding the house itself, I recently recorded a 300 sqm house that is for sale. In a rural region, it cost €800,000 over 10 years ago. Technically top-notch and very modern back then. If yours is about 50% bigger, near Hamburg, and considering the price increase in construction costs over the last 12 years, that house, if it should have a similar (upscale, but no golden faucets) standard, will cost at least €1.5 to rather €2 million ready to move in. Even a "small" 130 sqm house (average standard) is hardly available for under €300,000 anymore. Multiply that by 3-4 and the better equipment and you can guess roughly what you’ll end up with.

: the entire area may be built upon and the floor area ratio is 0.2. I didn’t mention this further because it’s no restriction for me. I don’t want to build that big anyway.
Eaves height, ridge height, etc. there are no regulations at all. One story is definitely the only restriction. An architect also looked at it beforehand.

: Of course costs and gold matter to me. I do it exactly as you described: I check my financial framework (1,500,000€, don’t like banks and dependencies, so I pay entirely from own funds), buy a plot of land and check the development plan. Now I check what I get for my money or what I want.
Others have an all-in budget of 500,000€, I have 1,500,000€ + land. (1,000,000 house, 200,000€ exterior facilities + garage, 100,000€ furniture, 200,000 buffer is my rough plan). What is so reprehensible about that or why should I be a troll?

Tastes are known to vary, but I simply prefer large open spaces rather than several smaller ones. The question is how you use everything. A 30 sqm bathroom with Jacuzzi and sauna is not too big, just like a living room when you connect TV corner, pool table, fireplace area, library, etc. all together.

: It wasn’t the best year, but I think it should be enough to build an object of this size, right?
Now I’m looking forward to your input.

Wow, that was actually only meant as a joke from me. But you have my respect! I’m happy about your remarkable annual profit. Hats off! I also think it’s great to finance the entire build from own funds. Unfortunately, I need a 500k loan with a total volume of about 850k.

I gladly read about your progress in planning and construction from you here in the forum.

Then let's think about it

Now I am really looking forward to the intellectual outpourings.

Off-topic:

It wasn't the best year, but I think it should be enough to build an object of this size, right?

(Tax + solidarity surcharge) / income = 32%. That’s twice as high as mine! So, you deserve it cool:!

Well, I think that with such a construction project, one should always consider the resale value and the adaptability of the house – one’s own needs also change over the course of life. That’s why there is the suggestion with the [Einliegerwohnung]. You can either accommodate staff (nanny, housekeeper, au pair, elderly care nurse), use it as an external office, or rent it out, so that the house is looked after during one’s own absence. It could very well be that times come when the risk of burglary significantly increases – or you have a pool, a maintenance-intensive garden, etc., where you’re glad someone takes care of the technology and the surroundings and you can be carefree while away.

We always organize house sitters who take care of the pool technology and the garden – so that we can travel carefree for several weeks.

Garages: when children grow up, the vehicle fleet usually explodes, and I know quite a few families where there are significantly more cars than people – sometimes it’s because, besides the family car, you also have a ‘shopping car’, and then there is the classic car and a sports car you can’t part with... others have, besides everyday cars, a Sunday car – or summer and winter cars. If you have the financial means, you do indulge in one hobby or another. Therefore, maybe plan for 6 spaces and build 2 – so that a reasonable expansion is always possible.

Bathrooms: I would at least plan adjacent rooms wall-to-wall with bathrooms, so that additional bathrooms can be installed simply. Possibly also plan a pool – sauna – fitness room extension of the house – so that an organic whole would result, should you want to realize that in a few years. Wives and children quickly have ‘funny’ ideas there.

I consider a large, wind-protected, and covered terrace indispensable – on the one hand, you can leave garden furniture and cushions outside all year round; on the other hand, it is a great party spot and can be used all year round in sunny weather. Children can also race around with their cars on sunny winter days, play table tennis or badminton. You can have lunch there or read the newspaper, etc.

A bachelor house and a family home are very different in their needs – but you can certainly plan so that the house can adapt to changing needs. – It should simply be considered during planning – so that it can later be implemented cost-effectively and with little mess.

In another house, for example, we had already planned door openings and large wall openings, so you could easily join rooms or separate others, and that could then be implemented easily in drywall construction – the floor coverings were already laid continuously, and the door just had to be installed.

: the entire area may be built on and the floor area ratio is 0.2. I didn't mention that further because it’s not a restriction for me. I don't want to build that large anyway. There are no regulations regarding eaves height, ridge height, etc. One story is definitely the only restriction. An architect looked at it beforehand as well.

That results in 480m² buildable area. With 450m² living space, of which about 300m² is on the ground floor, you can expect about 370m² built-up area (including all walls). Then we add a garage of 70m². A terrace of 40m². And now you are already at your 480m². You still don’t have a pool, a path, a small terrace, a garden shed, or a driveway. I think the architect should take another close look at the matter.