Is it possible to reduce the size of the house after the financing is completed?

The architect's calculation considers cubic meters of enclosed space, which is significantly more accurate than the square meter approach. The 1 meter extends over 3 floors up to the roof and across the full 7 meters in width. That is already noticeable. There is simply still a room on the ground floor that we actually don't need, and upstairs we can move things closer together. Given the current developments, it is certainly not a mistake to reduce costs. This has nothing to do with my nickname but is the sad reality we have to face.

So the architect is doing the calculation? Do you have a guarantee that the price will be adhered to? With architects, it is often (not always) the case that their strength does not lie in cost calculation.

So the architect does the calculation? Do you have a guarantee that the price will be maintained? With architects it is often (not always) the case that their strength is not in cost calculation.

I am aware of that. Also that an architect cannot give a fixed price guarantee, so I want to further reduce risk. Our architect makes an element calculation based on values from recently completed projects. One house is comparable to ours and from 06/21. So it should be comparable. The cost increases from the Federal Statistical Office are taken into account. With turnkey offers, you should be aware that the entrepreneurial risk is fully priced in. That certainly makes it safer but not cheaper. But that should not be the topic here. I actually just want to know if a house has to be implemented exactly as stated in the financing. Many also initially leave out extensions, carports, etc. when money is tight.

I just want to know if a house has to be built exactly as specified in the financing. Many also initially leave out extensions, carports, etc. when money gets tight.

... and then potentially get into trouble with the bank or even beforehand if they suddenly want more money paid out than the construction progress justifies. So yes, the house must be built as planned. Whether it ends up with €60 tiles or €50 tiles, no one cares. But whether the house is 140 sqm or 160 sqm does matter. That causes serious problems up to the termination of the loan, because you are simply committing credit fraud. Quite simply. This is formally a criminal offense!

I actually just want to know if a house has to be built exactly as specified in the financing. Many also initially leave out extensions, carports, etc. when money gets tight.

I don’t know what kind of carport you calculated, but it doesn’t bring that much. I will need the garden house as storage for bicycles, etc. when moving in, and frankly, I wouldn’t want to miss out on the possibility of creating a proper garden either. After all, you don’t want to trudge through the mud for two summers.

The architect's calculation considers m3 of enclosed space, which is significantly more accurate than the m2 view. The 1 meter extends over 3 floors up to the roof and across the full 7 meters width. That's noticeable already.

That would be 21 sqm and thus 2,857€/sqm. More must be deducted than 7 sqm foundation slab, 3x2x approx. 2.9m facade, 1m more roof, 21 sqm underfloor heating and ceilings. The cost drivers kitchen, heating, bathrooms remain the same.

... and then potentially get into trouble with the bank or even trouble beforehand if they suddenly want to withdraw more money than the construction progress allows. So yes, the house must be built as planned. Whether the tiles are €60 or €50 doesn't matter to anyone. But whether the house is 140 sqm or 160 sqm does. That causes serious stress up to credit termination, because you are simply committing loan fraud. Quite simply. That is formally a criminal offense!

Ok, I understand. Then I will probably have to wait for the final documents and hope that the interest rates hold up a bit longer. Thanks!