Feasibility Single-family house - Cost statement / Financing realistic?

I totally agree with you!
Unfortunately, my wife doesn’t see it that way yet. -.-* Hopefully, the upcoming architect appointment can change that.

Additionally, there are also things that can’t be easily stored in a storage room because of their shape or size and therefore inevitably have to be parked somewhere on the floor. Then you build 180m² instead of 140m² with a basement and effectively also only have 140m² of "living space" available. In terms of price, both variants should be roughly in the same range. Although in my opinion, with the basement variant, you do have more space available.

In the end, everyone has to decide for themselves!

Well, in the end, you really have to compare fairly.

180 sqm without basement vs. 140 sqm with basement is not really comparable. The basement surely isn’t just 40 sqm, right? ;) And a basement with living space quality (possibly a third bathroom, properly high ceilings, decent flooring, heating, etc.) also costs around 2000-2500€ / sqm.

A basement may be practical, no question. My parents have one too. We deliberately built without. But we don’t need to have this basement discussion again now. The important thing is just to compare properly. The architect will surely let you know where the costs roughly balance out.

I also believe that the house can never be as "practically tidy" as with a basement... Sure, as storage space the basement is quite expensive, no question, but I have everything in the house and don’t have to constantly go to a garden shed, a garage, or somewhere else. Nowadays the basement totally belongs to the house – compared to earlier times when people didn’t like going down to the COLD basement xD

okay, it wouldn’t be finally decided for us either, what would the costs for a basement be roughly? There should be some light in the basement nonetheless --> windows / heating as well, preferably access from outside. I fear that if you count all these "extras" for a basement, it quickly stops being so cheap.

There should still be some light in the basement --> windows / heating as well,

2000-2500€ per sqm. It's nothing different than living space on the ground floor or upper floor. Windows, heating, electricity, maybe even a bathroom or sauna... Cost-wise it's the same as above-ground living space.

I claim a real basement apartment is even more expensive than above-ground living space: - more earthworks / excavation to be disposed of - more complex sealing - light wells more expensive than windows plus additional drainage? - lifting system Better to add another floor if the development plan allows it.

okay, it wouldn't be finally decided for us either, what would be the costs for a basement? It should have some light in the basement after all --> windows / heating as well, preferably access from the outside. I fear if you add all these "extras" for a basement, it quickly won't be so cheap anymore.

We pay about 65k for our basement - but with a white tank and a 160m² house. So if you aim for around a 140m² house and can build without a white tank - you might get by with 40-50k for a basement.

You have to calculate additional costs for windows; if you want heating, that naturally costs money as well. Access from the outside is, of course, not exactly cheap either --> you have to calculate all these extras and then see if it’s worth it for your needs or not.

My opinion: With today’s fully insulated houses, you don’t necessarily need heating downstairs (if you’re going for a utility basement), access from the outside is nice (was not possible for us due to the white tank, or it would have simply been too expensive), and a few small windows don’t cost the earth.

The basic question is of course: If at all a basement, then: utility basement or living basement? You can calculate a living basement at about 2,000€/m², for a utility basement the cost is significantly lower.

Attention: Prices are based on our UTILITY basement! That is a significant difference.

We are paying about 65k for our basement

Build it first and then we can talk again :) I don't really believe in it. Paper that has numbers on it is patient. I really don't want to accuse you of anything, but talking about unhatched eggs doesn't help. If the basement is built and you really have the invoice, feedback would be really cool.