List of incidental construction costs. More expensive "on the builder's side"?

I don't quite understand. We specifically wanted to avoid over 100% because the calculations look significantly worse then. For example, if the kitchen and garage are planned by the construction company, doesn't that count towards the regular financing amount?

What use is a well-looking calculation to you if the last fifth can't be paid anymore?
There probably won't be any savings potential left either, so how do you plan to pay for the unfinished remainder?
Or do you want to lay terrace stones yourself or use used ones from eBay for self-pickup?

Your calculation is grossly negligent!

Are 10% overall enough? I dare to doubt it. Considering the expectations of the other participants here. But yes, it is achievable, you have to restrain yourself

I don't know. I mean the value of the missing items with the 10%.

I read along with interest - and it is really not easy to list ALL items correctly and effectively. I look back on the experience of 2 house constructions - and I can say that with the 2nd house construction I actually achieved a bullseye on the plan regarding the overall effective costs. However, that was only possible - Yvonne has already mentioned it - if you effectively round up everywhere in the budgeting phase (and not just to the next hundred). Above all, you have to do the following tasks: - Collect the essential information beforehand and continuously (e.g. about the connection fees to be paid: that costs money and the differences are enormous depending on the place of residence, provider, etc.). - Keep Excel: and meticulously - with EVERY expense (both planned and actual values). - Do not hesitate to fill in estimated values (but please rounded up) - if there are different values take the higher one. - Mark options as such and already consider during planning whether these - without significant additional costs - are also feasible afterwards or not (e.g.: sealing and insulating the basement if living spaces are to be there is only cost-effective during construction. Retrofitting would be a "makeshift" and more expensive; it’s different with many garden designs: here you can certainly postpone one thing or another). - Be aware that landscaping can be an enormous money eater - whether with fencing and/or floor coverings. Planting (which is often prescribed by the development plan) is also not without cost. - Calculate add-ons for the house: that also costs money. - In any case, keep a significant reserve of equity: Only “allow” certain wishes if liquid funds are effectively available. - Always plan all-in: That means also including the kitchen price - as well as special lighting wishes, floor coverings, etc. Simply EVERYTHING. - And always plan a not too small reserve - something ALWAYS gets added.

From gut feeling, there are 3 relevant cost drivers,

- Unforeseen difficulties such as underestimated terrain, groundwater, etc. Basically everything related to civil engineering. But you also need someone who identifies these difficulties early on in order to respond to them. A clueless general contractor who only sees € is no help.
- Being able to hold back on things such as living space, bathrooms, floor coverings, outdoor facilities, etc. Sure, a walk-in shower looks great with concealed fittings and rain shower. But here I come back to the favorite example of pyrolysis (nice to have but unnecessary). You shouldn’t deny yourself everything but you need to be able to keep measures. My luxury, for example, is 2x 3m sliding lift-and-tilt doors in the living room.
- Poorly informed or simply stupidity such as believing the price, the construction service description, and the promises of the general contractor are the truth, so that you think you don’t have to take care of anything.

From my point of view, 2 out of 3 points can be influenced without the house looking like social housing.

AddOn: I now hear so often among acquaintances and friends and not just here that interested builders, due to their jobs, don’t want to invest time in planning, coordination, and supervision, but then are not willing to bear the appropriate additional costs either. Somehow a strange attitude, in my opinion.

Karsten provides an extreme (in a good way) example. He planned extremely disciplined. What currently amazes me is often the expansion of living space. Here, 160 sqm already seems almost normal. In the sense of bigger is better. We now have just under 140 sqm across 5 rooms and that is completely sufficient. More important would be an option for use in old age. I also find the almost obligatory massive double garage extreme. You can have that for 10% of the cost. There's just something from the hardware store... So what? Bathrooms can also be major cost drivers. But most important would probably be to know the construction service description exactly and to know what standard is included. Because here different doors, there a blind, oh other window sills etc etc, that really adds up.

I also noticed the exaggeration in the living space.

These are then (also, not always) the ones who previously lived with two people in 80sqm but now need 180sqm with a basement and plan 2 children's rooms of 20sqm each even though they don't have children yet.

Children's bathrooms are also becoming very popular right now, as if a guest WC with a small shower on the ground floor wouldn't be enough.

This has nothing to do with common sense anymore. With possibly 2 full earners, the poor wife then has to clean 3 bathrooms alone and keep the oversized house tidy because the husband doesn't feel like it.