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

My mistake, [Garage] can be financed without any problems.

The kitchen is also rather tight with 8000, as are the floor coverings. How much is the whole thing supposed to cost approximately? If possible, it's better to finance a bit more and then pay it back with special repayments, if anything is left at all. Usually, construction projects become more expensive than expected...

Therefore, we actually thought we had roughly estimated the prices well. The house is currently just under 200,000, with the double garage not included and smaller things like additional sockets still missing. Land 78,000.

The previous financing request was for about €365,000, although it was for land with a higher value.

I asked my Excel. Everything is now finished, moved in, etc. What is not finished yet is the garage driveway and the official surveying. I think about 6,000-8,000 euros will still come on top. And we were really "thrifty," typically Swabian. Nothing exaggerated/luxurious, for example, the garden was only leveled, a retaining wall to the garden, a light well with planter, and paving the garage driveway. The house was including all trades (painter, flooring, etc.)

Thank you for the excerpt. The garden is not included for us, it will be done later as own work. Upgrading is not much for us, as the standard is sufficient for us. Furnishing will also not be much, as many things come from the current apartment. We need to discuss the kitchen with the construction company to see what they say about it. Does civil engineering mean basement? Or were these just additional earthworks?

What is still unclear is the development. The construction site is supposed to be fully developed. The question is, what development costs still need to be planned? I have listed Telekom separately. Gas is not needed.

Electricity connection... can be inquired about roughly 2000
Water/sewage connection... can also be inquired about roughly 1500

Then the rainwater must go somewhere, e.g. an inexpensive rainwater cistern. Including earthworks 5-6000

Floor coverings/painting work 5,000.00

Could be tight, but could also work

Soil survey 600.00

You should calculate around 1000

Building expert 2,000.00

Better calculate 3000

Chimney 3,000.00

Chimney itself or with the chimney stack??? That costs from 3.5k, but can also cost 6000 with the building expert (all in, including roof window and roof climbing)

Chimney sweep 200.00

???? for the approval?

According to the construction company, electricity consumption during the drying phase should be manageable due to the photovoltaic system.

If it is already connected.

I think there will also be a need for discussion with the bank because e.g. garage, kitchen, etc. are not part of the official ancillary building costs. However, our equity is only intended for these official ancillary building costs.

Need for discussion? Bank? Why should they finance your kitchen? Then you could also finance elsewhere at 0.0%. But...

smaller things like more sockets are still missing.

the small things can easily end up in the four-digit range, especially with sockets

Garden is omitted for us, will be done later by ourselves.

And the garden will cost nothing later??? Terrace? Driveway? Entrance platform?

We have to discuss the kitchen with the house building company to see what they say about it.

What are they supposed to say? The kitchen is your domicile, just like (probably) shower enclosure and bathroom furniture.

Basically, every item estimate should actually be calculated higher, but correct. 1700€ guessed or calculated are 2000, 2500 in the calculation
5000 are 6000 in the calculation etc.
With that, you not only create a buffer that is usually gone before the item has to be paid, but if something actually remains, you can pay for small things you haven’t considered yet.

The only right way is that you significantly increase certain positions that must be there for the bank calculation so that the exaggerated amount can be taken for other things that are not financed.
Lamps are also only furniture.

We had thus 2 calculations: one for the bank with low amounts and ours with the real numbers.

Estimate 10,000€ for floor coverings (instead of 6000), 11,000€ for exterior facilities (instead of 8000), 6000€ for chimney (instead of 3000), 4000€ for electrical (instead of 2000), 5000€ for bathroom equipment (instead of 2000),
then you have 15,000 for kitchen and unforeseen. The bank does not hesitate and you are relieved.

Nothing is worse than already knowing now that it will be tight and not enough. Everything will be more expensive than you think anyway.

My numbers in ##3,4 are from 2013, Lower Saxony
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Edit: You can add another thousand for electrical for the satellite dish including connection
In 10 days, another 10 items will be added