Filling and compacting the ground for the house

....oh man, what do we do now, the entire budget is therefore miscalculated and we won’t get a single cent more from the bank since we were already at the loan-to-value limit.

Loan-to-value limit for the obtained condition, or in the income/expense calculation?

A garage/carport is not yet planned/calculated.
A shed also not yet, but 3 bicycles, a balance bike, stroller, buggy, bike trailer, 4 18" car tires etc. etc. all have to go somewhere
Terrace also not really firmly planned yet.
We already have the Harz pan.

So not much is left

Difficult to judge with the little information here in the thread. But already so tight this early? Mentally, there’s a house on a raised gravel heap for years.

Either you massively tighten your belt, or do some soul-searching.
It won’t be the last unplanned budget overrun.

I would also seek a conversation with the bank. Even if the actual loan-to-value is maxed out, money has to be found.

Hi, what do you mean by the company is on shaky grounds, like which ones?

I already asked the bank for more money, they said no, it’s not possible.

At first, I also thought about just piling up the house. The question is, if the rest lies 170 cm lower, will the home builders be able to reach everywhere? I have to ensure that the crane etc. can reach everywhere.

already asked the bank about more money, said no, can't do it

Not possible at all? And only not under the conditions like the current volume?

Have you already signed a house contract and finalized everything? If not, think about it again urgently. If the groundwork is already exceeding the budget, then it cannot take a good course. There will be some items that will be more expensive than expected!

Hi, what do you mean by the company is on shaky ground, which ones exactly?

I already asked the bank for more money, they said no, it’s not possible.

At first, I also considered just piling up the house site. The question is, if the rest is 170 cm lower, will the builders be able to get everywhere? I have to ensure that the crane etc. can reach everywhere

You surely have a 3m distance between the house and the street, which should/could be filled anyway. Then they should place the crane there, if necessary a bit into the street with a special permit (which of course costs a bit).

Have you already signed a purchase contract and finalized everything? If not, think about it carefully again. If the earthworks already exceed the budget, then this cannot have a good outcome. There will be several items that will be more expensive than expected!

Since this probably did not come as a surprise, that so much needs to be filled... Could some savings possibly be made through own work, which was not planned so far?