Financing offer Bungalow 177m³ 300k loan

Hello everyone, for our project I got an offer from my house bank (Raiffeisenbank) and I wanted to share it with you and hear your opinion about it. Estimated construction costs are about 325k-350k and equity of nearly 70k is available. Our loan amount is 300k (to have enough buffer). 300,000€ total. 200,000€ will be financed through Fuchs Topzins (0.67% fixed interest for 15 years, after 15 years secured with a building savings contract for another 15 years at 1.55%). 100,000€ runs through the bank at 0.80% over 10 years, the remaining debt is covered and secured with my existing Riester contract. Altogether we have an effective interest rate of 0.94% over the entire term (planning about 26 years with 1000€ repayment per month). What do you think about the offer? The construction is in Bavaria, rural area in the Upper Palatinate, land already available.

I can't say much about the offer, our construction was too long ago, but are you sure you can manage with the construction costs? You have a 300k loan and a 370k budget. With 177m² and 2k€/m² that's already 354k€. What about incidental construction costs, outdoor facilities/kitchen, etc.?

Sorry, but somehow this seems fishy to me...

I can't say much about the offer, our build was too long ago, but are you sure you can cover the construction costs? You have a 300k loan and a 370k budget. With 177m² and 2k€/m², that’s already 354k€. What about incidental construction costs, outdoor facilities/kitchen, etc.? Sorry, but it somehow seems suspicious to me...

Hello, well I have all the important offers available Rohbau+Dach(with earthworks) about 110K Windows 25k Plaster 20k Heating (gas) + bathroom about 30k Electrical 12k Screed 4k Kitchen 13k Stove 10k That’s 224k if we have everything done, which will not be the case =) Then 100k are planned for the interior finishing, which I consider realistic with almost 600€/m2 (what tile costs 600€ including installation XD) And the outdoor facilities will come over the next few years =)

Dry construction is missing, possibly 25,000€ for all ceilings, insulation, with the bungalow you have areas

Drywall is missing, possibly €25K for all ceilings, insulation, with bungalows you have areas

A concrete ceiling will be applied over the entire area and that is already included =) The insulation on the ceiling is also already included with €3.5K You have to say that these are all special prices through my employer (large construction company)

Ok, then it is possible. What are the soil conditions? There can still be quite a bit more during the earthworks. I just had to find out despite a completely flat plot of land (1m soil replacement necessary and additionally 20cm filling - surprising)