Initial ideas for planning a small single-family house

So I finally have finished work and can jot down a few new thoughts here.
As already mentioned, I actually like the idea of a bungalow much better than my original idea, as long as it doesn't significantly affect the costs.
I have now roughly planned an additional €20,000 based on the comments, but I would rather save a little longer since it won't really get serious for at least 2-3 years, and the whole project will certainly continue to develop. However, I don’t think much more is financially feasible; as I said, once we leave Switzerland, our salary will be very average again and long-term certainly won’t exceed a good €3,000 net by much. I assume our standard of living will increase somewhat with age, even though we have been quite modest in that regard in recent years. Around €1,000 will likely be the maximum repayment rate for a loan in the future, and of course, I would rather not have to pay it off until the end of my life—who knows what else might happen.

In the next few days, I will continue working on the floor plan (like most, I have already designed and discarded a dozen) and hopefully present it soon.
The next big question concerns the construction type. As mentioned, I like it “cubist” with lots of glass. Most houses I see online in this style that I like seem to be concrete-based (which most people here in the forum criticize in terms of price-performance and also regard as not having ideal insulation properties), or often I also see a lot of glass apparently held together by a metal frame (honestly, I haven’t found anything about this type yet).
The cheapest would probably be the classic solid construction, stone on stone, and there are certainly ways to make it look less “classic.”
What is your assessment of the planned construction type, assuming a bungalow of about 95–110 m²?
Prefabricated walls are probably out of the question for such an individual design, or am I mistaken?

Thank you very much in advance.

The problem with floor plan designs is that depending on the plot, completely different ideas and room sequences often arise. Also, there can be very different requirements from the [bebauungsplan]. And, the plot does not yet exist. Will the area where you want to build the house be rather flat, or could it also be a hillside plot?

Certainly, a floor plan is not a bad start. Then you’ve already put your ideas, wishes, and concepts on paper, which makes things easier later on. But get used to the fact that you might have to plan everything again due to the plot, the orientation of the house, or the development plan. Or you’re lucky, and it fits right away ;-)

Well, basically you first have to decide what you want. Custom-designed by an architect, or a developer (solid construction or timber frame construction). There’s no ONE piece of advice; everyone has to decide that for themselves.

Intuitively, I would personally choose an architect for a bungalow with a lot of windows who creates something in solid construction. But here in the forum, there are real pros who can give you better tips :-)

Be careful with the price indications here in the forum if the profile location Austria is also the construction site. In Austria, there are completely different legal requirements, which can lead to completely different construction prices. For example, in Austria there is 20% VAT, additionally, labor costs may be significantly higher due to, as far as I know, the legally mandated 13th and 14th monthly salary and the municipal charges. No one here is familiar with Austria's building regulations either. Also, the incidental construction costs could be in completely different orders of magnitude. At least on the German side, the price of 1500-1600€ or, as with your information, 1900€ should include the foundation slab.

Thank you very much for the answers,

I think I probably won’t be able to plan much further ahead for such a long time. I will pursue things further with the architect, that will probably be the most sensible option, since they should also know what really matters, and as a layperson you surely overlook some points in the planning, no matter how well you prepare yourself. And the objection that an appropriate plot of land can quickly throw the plans overboard is, of course, something I hadn’t thought about beforehand. The plots in our desired area are rather flat, since it is quite a lowland area, but who knows how things look individually there. To avoid misunderstandings: My last place of residence and work at the time of registration was in Lower Austria, but the house construction is planned in a rural area of NRW, so in that respect all is well, sorry that I did not indicate that earlier. Now I definitely have some reference points with which I can continue planning, I fear that I will have to save equity for at least one more year, I’d rather be prepared for everything. I will continue researching, but it is probably still too long a time to make concrete plans. At least now, thanks to you, I have a reference point on how realistic my project is and I am still determined to do everything for our dream of a small home to come true soon.

One more thing, which is probably very hard to answer, but can one roughly estimate how an architect affects the costs in relation to the planned size? It’s not just the person themselves who has to be paid, but presumably such planning triggers a chain reaction, since much more still probably has to be planned individually in a tailor-made way. It’s just about a rough estimate, as it is clear to me that the market here is large and certainly open-ended upwards, but maybe there is an estimable range based on the planned project size and my rather limited budget.

Thank you for everything, as soon as things get more concrete, I will probably ask questions more actively again.

One more thing, which is probably very hard to answer, but can one roughly estimate how an architect affects the costs based on the planned size? It’s not just the person themselves who has to be paid, but presumably such planning triggers a chain reaction because then much more probably has to be custom-designed individually.

If you choose the all-around carefree package, then calculate about 10-12% of the total house budget + (possibly garage). An architect will then itemize this finely according to HOAI, but there is some leeway (from - to). You can also exclude service phases. It would also be helpful if you get a flat-rate offer. Otherwise, it might happen (which is usually the case) that your project becomes more expensive. I believe Bauexperte mentioned that an architect can charge up to 20% of the additional costs again.

Where in NRW is the building going to take place? Approximate direction. :)

PS: We would choose an architect again at any time, even though we are still at the very beginning.