Is financing a single-family house feasible for us?

Thank you! I will probably go ahead with moving the garage now. You can always do that a year later anyway. Better than being completely ruined, fighting because of stress... And what extras will still be included will probably become clear during the construction process. It was definitely interesting that many people, unlike the bank, already view our building project critically.

The bank will sell your house in the worst case and has security. The forum is about preventing that from happening.

Okay, then I misunderstood. Earthworks are a tricky matter because it really depends on the final landfill costs. It can be around 8k but also 20k. That's the downside of having a basement. The gardening work and leveling can be calculated better. With such differences, there must also be a supplementary offer and then you can still decide.

The question is how much you can really decide. The structural engineer says the house needs more steel. I can’t say no to that. The retaining wall has to be 0.5m higher than in the offer, otherwise you’d have to jump from the driveway into the garage. I can hardly say no to that either. The plasterer calculated 30 hours but needs 40. I also can’t leave one side of the house unplastered.

Does anyone know what happens if the house suddenly costs 100k more and neither the bank nor the parents want to chip in? Then you probably have to sell the half-finished house at a big loss, right? Does that really happen or does the bank usually prefer to lend more? I don’t personally know anyone who went through that, but of course that doesn’t mean anything.

For example, with friends, the offer for the earthworks was 15k, but in the end, the invoice was 25k.
With other friends, the gardener's offer was 60k and the invoice 90k.

Do you have a soil report and reliable information about the disposal costs for the excavated material from the basement? That would defuse what is often the most expensive change order.

For the gardener, a volume or unit price was probably given, like "curbstones per running meter X Euro," "slope support 50 cm high L-stones y Euro."

Plus an assumed and often underestimated quantity. And that's your offer.

But oops—then instead of 20 running meters of 50 cm high L-stones, it becomes 27 m at 60 cm, and voilà—the price doubles. Since he has already arrived, you won't hire another landscaper anyway, that's the calculation. It pays off again for the landscaper to calculate an offer favorably.

This often happens in other trades as well!

Just post your calculated offer prices for the trades here.

Does anyone know how it works if the house suddenly costs 100k more and the bank and parents won’t contribute any more? Then you probably have to sell the half-finished house at a big loss, right? Does that really happen, or does the bank usually prefer to provide more financing? I don’t personally know anyone this happened to, but of course that doesn’t mean anything.

Either you get additional financing or you’re stuck in the half-finished house, without exterior plaster and landscaping, the kitchen from eBay classifieds. But at least you can party in the basement and hope for the construction rescuers If the budget is already maxed out with the repayments, it will be very difficult for you to manage anything extra from the current cash flow.

I find the discussion quite harsh. The fact that one can’t discipline oneself despite cold feet is unfortunately a very bad sign (even before construction starts).

€1800 installment + €400 monthly additional costs, mind you without the follow-up financing, is not little either. With follow-up financing, you are over 50% of the total net income, which is considered unhealthy.

Then I say break a leg and hope that until the house is completed, you don’t fall victim to another phenomenon in housebuilding, because that was rather my gut feeling when reading the first post.