Lukas, don't let yourself be misled, this forum is not exactly full of DIY types. You have an overview of your finances. What you only estimate very roughly, in my opinion too roughly, is the cost side. Do you know people from the construction industry who could calculate that for you with their software? Architect? Structural engineer? In construction, the most expensive part is certainly, as everywhere in Germany, a high-wage country, the labor. And that takes many hours. The material is the lesser factor. But you have to separate all trades from each other. And consider what you do yourself, what you have to contract out. It starts with planning. Since you are not authorized to submit plans at the building authority, you will have to contract that out. Then civil engineering, which due to the use of machinery is rather subcontracted. Structural work, some people can do that themselves. Carpentry and roofing? Windows, doors, drywall? Heating and plumbing? Electrical? Screed and plaster? Tiling? Painting? Flooring? Garden landscaping and connections? Unfortunately, the work has to be done, also to appear credible to the bank. If all that fits together, you create a value that exceeds the credit requirement. Why should the bank not go along with that? If it goes wrong, the bank has the house. Karsten
Hello Karsten, thanks for your reply!
I am really fit when it comes to house construction... I spent several years working in construction and didn't just watch a YouTube video about installing a 2m drywall.
For electrical work, I only need the basic package from the electrician to get a meter... the rest will be done by myself.
If necessary, I can also operate an excavator and my brother can drive a truck, I have already dug several basic utility trenches and my brother has a truck license... I naturally want to avoid these two things or limit them to the bare minimum.
I am fully aware of the work and how many hours it can take until everything is finished. And we are also willing to accept such a time frame longer than others might.
My girlfriend will live in my apartment during that time and pay the rent.
I have architects and engineers sitting in the office next door, so something could certainly be calculated there.
I work in the construction department as an inspection supervisor.
I think the best thing is to get offers and go to a financial advisor with them... anything else is just speculation.
Best regards
Lukas