Financing request - How many documents are normal?

Last year with us, the bank (regional) absolutely wanted a cost estimate from the architect. My listed and copied offers were not enough. That the exact same numbers were on the cost estimate (I worked that out with my architect) was then OK. Edit: exactly the same is my experience too

Well, some brokers offer the service! For a few hundred euros, you get a stamp! Is it good? I don't know. Justified if a bank asks critically whether you want to act as a developer to reduce costs

If you just submit your estimate like that, the bank will doubt it. If you get a stamp from the architect/general contractor beforehand, the world looks completely different, even if the numbers are identical. True story.

I can confirm that. My submitted architect's estimate was even so bad that the architect charged VAT twice! Nobody noticed, not even us until afterwards. The offers and invoices matched our own estimate quite well, but not the architect's at all.

Addendum:

Who guarantees that you won’t need additional financing?

Unfortunately, that sounds as if your creditworthiness is already heavily stretched. Financing at the bank’s limit?

It is indeed true that the criteria regarding default risk were partially adjusted again during Corona. I haven’t heard about self-issuance yet, maybe @nordanney knows more?

Overall, it is not significantly different from before Corona. There were some slight adjustments because banks are very busy dealing with customers who have suspended their payments. No one wants to unnecessarily take on risks.
Self-issuance is still possible. That probably cannot be the reason. However, the bank’s question regarding cost certainty is justified – see three sentences above.

If you just give your estimate like that, the bank will doubt it. If you get a stamp from the architect/GC beforehand, the whole situation looks completely different, even if the numbers are identical. True story.

But I’m definitely not going to show my home company how much equity I have and how much loan I’m taking?!

So just commissioning a completely unknown architect to simply certify the numbers at great expense

If you can trust the other party, the loan amount matches income/equity.

Once a standard bank and once a home bank, I would say ^^ We didn’t consider a small no-name bank.

We will follow up again. Because we already asked if the “basic numbers and facts” even fit. If not, they should just honestly say no...

He doesn't need to see it anyway. My GÜ put my cost planning on his letterhead, stamped it, and that was it.