Is the cost breakdown for a single-family house plausible?

Do you have the land registry costs included in the real estate transfer tax or the notary position?

It includes: registration of the conveyance, deletion of the conveyance, land register entry, registration of the land charge, possibly other items. Each time with IT & postal flat fees, etc. etc. Check what this will cost you altogether, but you should plan at least 1000. The city may have to waive its pre-emption right (this also costs a fee), etc. Everyone sends nice invoices in connection with the property purchase that you did not expect.

The sample reserve is too small. At least 20000€. Staircase color? Spots, a few more sockets and combustion points, extra effort for large-format tiles (even though the tiles are included!!!) etc. etc.

Money is just slipping through our fingers and we haven’t even started with the construction itself yet. :-(

When the building ground survey is available, your general contractor can tell you what the extra costs will be. Fortunately, for us, only about 3000, since frost-resistant and foundation-capable soil lies below the 30cm topsoil.

Connection trenches, etc., are still additional.

Thanks so far for your assessment. We'll add at least 20,000 as a reserve for sampling and earthworks or floor coverings.

- Regarding earthworks, I just asked the independent expert again for information. He says with the builder's estimate of 4,000 euros, you get close, of course only if the soil survey doesn't prescribe something else. Well, what should I believe now? Let's wait for the soil survey.
- Regarding the question about the plot. 400 EUR/sqm, what can you do. We got lucky.
- My brother just installed a 5,000 euro Ikea kitchen in his fairly large apartment and is satisfied.
- Land registry costs are included in the notary fees.
- The floor will probably be laminate. Depending on how much money is left.
- By the way, the plot is located in a residential area. 2-3 trees have to be felled, but the fence is mostly already there.

The problem is, if I always assume the upper limit of possible costs everywhere, and then I'm happy if something is left over, I could just stop the whole project because I would obviously have ridiculously high loan rates. As always, it's unclear whether prices from southern Germany are being compared to Berlin/Brandenburg. I'm trying to somehow approach the best estimate plus a safety margin. Not quite so easy.

- Land register costs are included in the notary fees.

You assumed less than 1.5% of the property value here. So no: it is not included. It’s not enough. Sorry. I just told you where we already have our first additional costs compared to the calculation.

Wait for the soil report before you finalize everything. There are nasty surprises waiting... And no shell builder / general contractor will agree to build differently than recommended in the report. Maybe waterproofing against pressing water is necessary or something similar... whoosh... €10,000 gone. Everything else is just guessing now. Then you might as well roll a dice for foundation costs (earthworks + slab).

400 euros per square meter... we could never have built there... never... who can and wants to afford something like that?!? Crazy... I'm really shocked right now...

I know that "damit im bestimmten Regionen" has to be accepted, but for me, that no longer stands in relation to the income and the house itself. So intense... :-/

400 euros per square meter... we could never have built with that... never... who can and wants to afford something like that?!? Intense... I'm really shocked right now...

Ha! Well then ask .

Don't let yourself get crazy here... there are many frustrated builders here and many who think that building is a privilege for the better earners. Here you are only told about the extreme and negative. You have already generously calculated various items and who says you have to take the best and finest... Surveying at 5000€, quite generous. Construction electricity... if I understood correctly, these are still net prices. As you already mentioned, you are destroying your financing and your loan-to-value ratio. I keep wondering how naturally large numbers are thrown around here. Above all, it is always measured only against one's own negative experiences. I also wonder how someone can write 2000 posts during the construction phase... but well. Don’t let yourself be lulled and trust the advice of experienced building experts (site manager, architect, general contractor). And now, ring free, you may stone me.