Financing request - How many documents are normal?

It was clearly recognizable that the OP fell into sarcasm.

I have also finished construction (shell completed). For the bank, I then made a list stating the remaining necessary trades, along with the sums that it would probably cost. I was able to back up part of it with concrete offers, which I then attached; for others, these were estimates (each given by a specific company, which was also named – so it could have been verified). This was accepted as it was apparently plausible enough. No one wanted a signature from an architect or similar.

So your bank wouldn’t accept it if you submit the foundation slab with a separate offer? Quite strange.

It is the overall situation. If two independent banks say they see a risk of additional financing, it also indicates a "tight" budget in the financing!

I think you don’t need anyone who “speaks bank.” You just have to look a little from the other perspective.

The bank wants a price for the incidental purchase costs of the property, which we already paid a year ago and therefore simply have no relevance anymore.

From the bank’s point of view, that is very relevant. House construction/financing needs are always calculated including all incidental costs. If you now basically say: “Hey, I’d rather not tell you what the incidental purchase costs were,” then that already seems non-transparent and untrustworthy at the first step. Our bank also hesitated 1-2 times during our property purchase when I said “No, we already paid that” or “No, that’s still equity.” We then showed the corresponding statements and also proved the equity accordingly. For us, it was a very tight timeline, but the bank realized that we are “creditworthy” and since then everything has been extremely relaxed.

The kitchen should be written on the list but must not be financed, and it may not be counted as equity either, because equity has to be brought in first, before the loan – but you still need the kitchen money in the end. Et cetera, et cetera.

Honestly, I’m surprised that you’re surprised... precisely that difference is somehow normal in construction.

We made it very clear to the bank how much equity we would bring in, which part we planned for the kitchen, and what reserves we have for things that don’t concern the house -> buying a car, etc.

Ideally, there is a difference between your equity and the equity actually contributed.

We will simply inquire and get a professional who translates/prepares/signs all our well-researched and well-founded numbers into “bank language.” Because that obviously seems to be where it’s currently failing.

I think you have an expectation of the bank that is wrong. I read (and I may be wrong) that you are somewhat reserved regarding the information you give about yourselves to the bank. In the end, it’s about being a reliable solvent partner for the bank and for that you have to sell yourselves well.

You also write about your well-researched numbers -> but you submitted the concrete offers as well, right?

I can't quite understand the problem with your banks. We will award all trades individually, no architect, no general contractor. The bank received a simple list from us, containing all offer prices and all estimates. For everything where we expect costs over 5k, we attached an offer from a company. Except for the outdoor facilities, these are purely estimates so far. We obtained offers from 2 banks and for neither was this a problem. And we don't have much buffer in our financing either.

So I think it does make a difference whether you present the banks with a plausible and comprehensible list of prices inkl. Angeboten or simply list what you as a layperson believe to spend on individual items.

We made it very clear to the bank how much equity we would contribute, which part we plan for the kitchen, and what reserves we have for things not related to the house -> car purchase etc. Ideally, there is a difference between your equity and the contributed equity.

That's exactly right. When I was with the broker, they said, "Feel free to also state the money you don't want to contribute. It's good for the bank to see that there are still reserves." No one is going to expose themselves completely down to the last cent from the start. You keep money for the kitchen, prove that it is available, but it is not included in the financing. You also keep an amount X as a buffer. That way, you can cover small things yourself during construction (depending on the size of X) and don't have to take out a consumer loan if, for example, the washing machine breaks down during the build.

A major bank once had the slogan "Trust is the beginning of everything," and even though banks have done a lot in recent years to lose this trust, it simply does not work without it, and that requires being open and honest with the bank. However, the OP does not seem to want this, which consequently leads to no deal.