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

By "additional costs," however, I understand notary fees, taxes, insurances, etc., and not the incidental construction costs, which are apparently almost completely disregarded here?

Phew, if that's the case, then of course a small chunk is missing, that's true :D

Notary fees per person: easily around €2,000 gone
Property transfer tax per person: about €1,500
Insurances: no idea what you pay there - but probably also around €1,000 for the construction

Hahahaha... but you do know that a soil report only consists of samples from 3(?) points? The probability that costs will explode due to surprises is very low. But just last week there was a case where the excavators hit rock. Nothing was found in the soil samples.

Otherwise, you are right: there are plenty of people who have their project nicely calculated. Especially with regard to additional construction costs. But those people are not here in the forum ;)

Anyone making a cost breakdown for the basement must always include the additional costs for excavation! Everything else is wishful thinking.

Absolutely right.

I doubt that in a new development area with 100 building plots, which has already been sampled by the municipality, where neighbors around us have already built etc., suddenly rock will appear because of an additional soil report from our side ;) But yes, also there... Not everyone ultimately builds in a new development area, as you say, there is often a lack of transparency or things are very nicely calculated!

As I said... the OP must inquire about the costs themselves - this benchmark thing was never about clear cost information, but merely about showing the OP that a basement might possibly be an option for them :)

Let's leave it at that - these are very general discussions that do not bring the OP much in the current phase... He has to deal with it much more himself anyway.

But as you say... the wishful thinking certainly happens to the fewest people who participate here in the forum - at least I hope so!

That's probably true :D But as one feels comfortable, one should ultimately also ... Exactly for that reason I only advised the OP to take a look at what a basement would cost, or whether it would be possible at all. 65k as a guideline, since the OP might also be very uninformed and have no price idea at all :) As I said, he has to inquire himself anyway. He stated ancillary costs of €35,000... I also find that a bit tight - without a basement (cheaper excavation) and without buffer, he might just make it... Structural check: 3k Civil engineering: 20k Connections: 6k Construction electricity/water: 1k Building permit: 2k Land charge: 3k Total: 35k Kitchen and outdoor facilities he has listed separately... So it could work out like that - but not much must happen.

yes, I also thought that this could be a bit tight. However, for a turnkey house the foundation slab is already included, are civil engineering works of 20k still necessary even for a flat plot? I had also listed outdoor facilities separately.

I doubt that in a new development area with 100 building plots, which has already been tested by the municipality, and where neighbors around us have already been developed etc., suddenly bedrock would appear with an additional soil survey on our part ;) But yes, even there... Not everyone ultimately builds in the new development area, as you say, transparency is often lacking or a lot is calculated favorably!

We also did not conduct a soil survey and relied on the NLG's report and statements from neighbors. An independent survey would have cost extra money again, and it wouldn't have provided that much more certainty. Our construction company said: The soil is undulating, even with several drill holes you can be unlucky in the end. Therefore, it’s better to plan a buffer.

yes, I also thought that this might be a bit tight. However, with the turnkey house, the foundation slab is already included, is earthworks still necessary with 20k even on a flat plot? I had also listed the outdoor facilities separately

Since earthworks are almost never included, if I were you I would get quotes from earthworks companies. Then you will have "rough" benchmark values for the cost of earthworks. You will only get precise transparency when you have cross-sections of your house, based on which the cubic meters can be calculated.

Depending on the building area, 20k can be gone quite quickly, even without a basement – however, I think 20k is a good benchmark for earthworks without a basement...

For the initial calculation, that is already okay.

Outdoor facilities 25,000€ --> own work or do you want to have it done? If you have it done, that is not even nearly enough.

We also did not have a soil survey done and relied on the report from the NLG and statements from the neighbors. An independent report would have cost extra money, and it wouldn't have provided that much more security. Our construction company said: The soil runs in waves, so even with several drill holes, you can end up unlucky. Therefore, it's better to plan a buffer.

Right, our builder told us the same - we did it for our own peace of mind - does it help? I don't think so...

In the new development area, the chance of something like that happening is ultimately 1/100 - at least in our area. Well, then that's just how it is... You just have to cough up 10k more - hence the buffer :)

But you also can't always assume every case is an individual case - otherwise I'd play the lottery every week :D