Home construction financing with a primary earner

Dormers would have cost me 9k per dormer for, let's say, 2.5sqm. My area increase of 12sqm cost just under 14k.

For the dormers, you only pay the additional cost for those themselves; the larger base area costs in all floors including walls.

But it also results in more total space and is above all more usable.

But in total it also provides more space and is above all better usable.

The effort and material costs for the roof are many times higher than for the shell construction

But to what extent this is relevant for the assessment of financing capability is not entirely clear to me.

I am now browsing back more… this was also a question from last year, right? As far as I can tell, it was/is about a possible financing with a main earner, so about cost optimization or approval of the best figures. In that case, I wouldn’t have asked. So it’s about cost optimization and options, possibilities to ease the financing a bit, right? ... I just looked again: roughly €5500 salary, 3 children, €220,000 plot... you really have to look at how to generate a lot of living space without...

We’d rather build a bit more floor area

...this idea, which is very expensive, or is the more expensive variant.

such a roof usage (with dormers etc.) would not be more expensive than an increase in floor area.

Nobody spoke of dormers here until now... just about generating living space that could fit the budget. In general: my personal opinion is anyway that with such narrow-minded opinions like “as high ceilings as possible,” “straight walls,” in other words “my house MUST…” one has a poor foundation for building a house. Children’s rooms simply don’t need 6 running meters of tall cabinets when it comes to furniture arguments. They are happy with extra play and seating space of 5 sqm plus real 12 sqm under the roof instead of just 12 sqm room only. But whatever, I don’t want to convince anyone here. One should just consider whether wish and reality fit together. And that’s what it’s all about here, isn’t it?! -> However, 8 meters is indeed not great – with the eaves height, city villas are explicitly desired as well! Then you have to reckon that you can no longer generate space in the attic and must thus pay compensation area in another way. 10 sqm utility room is not much, and if you add parking space for vehicles (children’s vehicles and toys) to the house, a different calculation arises.