House construction in Baden-Württemberg - Planner first or bank?

I will do that. Thanks to everyone so far, anyway!

Brief interim report:

We had our first meeting at the [Hausbank]. In the process, we reviewed our financial situation and discussed our wishes and ideas with the bank advisor and roughly calculated the costs we will face and the assets we can contribute ourselves. We agreed that our bank advisor will calculate a few models for us, which we will then review and discuss together.

Think about simply going to the financing advisor (Interhyp, Dr. Klein). I consider that a good "exercise" before going to the bank.

Very good idea =)

(...)
-10 incidental purchase costs
-10 kitchen
-10 furniture and so on
-40 additional construction costs
(...)

I received feedback from the bank, which has now offered us a financing limit of €420,000.00.

With our equity and a private loan of €30,000.00 (which will then be repaid from the above-mentioned bank loan), we would buy the plot of land.

According to my calculation, we then have the following budget:

Land costs:
Land price: €103,400.00
Discount for one child: €3,000.00
= Purchase price: €100,400.00
Property transfer tax (BW): €5,020.00
Notary fees (2%): €2,008.00

Land costs: €107,428.00

Paid in April 2018 by:
Equity: €77,428.00
Private loan: €30,000.00 (will be repaid immediately after taking out the bank loan)

Bank loan of €420,000.00
distributed as follows:
Repayment of private loan: €30,000.00
Additional construction costs approx.: €40,000.00
Incidental purchase costs approx.: €10,000.00
Basement: €60,000.00
Double garage: €20,000.00
Outdoor facilities: €15,000.00
Kitchen budget: €15,000.00
Furniture budget: €10,000.00
Buffer: €15,000.00
Would remain for the house itself: €205,000.00.

Alternatively, one could say that €265,000.00 is calculated here for a house with a basement or €285,000.00 for a house with a basement and garage.

Now two questions:

[*]Is this correct or have I forgotten an important point?
[*]Are the costs for the land fully accounted for or is something missing?

[*]Aren’t the incidental purchase costs part of the additional construction costs? In our case, the land would already be purchased during the house construction, and the incidental purchase costs for the land are already settled. (Therefore the quote from toxicmolotow who listed these two items separately.)

[*

Aren't the incidental purchase costs part of the ancillary construction costs? In our case, the land for the house construction would already be purchased and the incidental purchase costs for the land already settled. (That’s why the quote from toxicmolotow listed these two items separately.)

The purchase and costs of a plot of land have very little to do with the ancillary construction costs. Or what do you think pays for the earthworks, the building permits, the architect, the construction road, the construction electricity, or the house connections (just to name a few examples), if not you?

The purchase and the costs of a plot of land have very little to do with the ancillary building costs themselves. Or who do you think pays for the earthworks, the building permits, the architect or the construction road, the construction electricity or the house connections (just to name a few examples), if not you?

What would then be, in this case, the ancillary purchase costs I listed?

In my list, I already included notary fees above and
Are my further listed ancillary purchase costs then basically listed twice or are the ancillary purchase costs still additional items?