Filling and compacting the ground for the house

Of course the house construction contract is already signed. I already mentioned that we didn’t do anything unnecessary during the selection process.

We even have a 5m distance from the street.

I see it as critically as many others here. That is the first surprise, I would bet there will be at least 3 more. You should seriously reconsider the sensibility of continuing. But I would go to the bank again and play with completely open cards!

Yes, exactly clear, I bought and paid for a plot of land and bought a house and have partially already paid for it, and now I just drop everything and don’t continue building. Yeah, no, right.

Well, you should definitely think it over and be upfront with the bank. The users here don’t mention these additional unexpected costs because they like to paint a bleak picture, but because they have all, in one way or another, experienced that something else came up during the construction process that was neither planned nor budgeted for. And if this is already exceeding the budget, then you should also consider stopping the entire project, because at this point it might still be possible to end it without a major financial blow. And don’t react indignantly right away, but think carefully, look at the problem from all sides with really good friends/relatives, and above all don’t sugarcoat things, but stay realistic.

Exactly, no one here wants to badmouth your project. But everyone here has current experience. You probably think you have a house at a fixed price, now nothing can be added. Maybe not at the house itself, but the costs that come with it are usually higher than one could say beforehand. Maybe you post your breakdown, then people can tell you if you have calculated well.

You should seek a conversation with the bank. This is a typical problem that we have encountered repeatedly and no one takes seriously. Always calculate enough buffer and have it co-financed. If there is anything left over in the end, it will just be squandered.