Hello Dirk.
I enter the following data:
450 sqm
Standard (developer)
Kfw 70
Multi-family house
15% incidental construction costs
The calculator then shows €510,300.00.
And as you rightly say, I am building without a basement.
On the 1st floor there are hardly any walls; the same goes for the 3rd floor.
With the following data:
450 sqm
Standard (developer)
Energy Saving Ordinance
Multi-family house
only €420,000 come out.
Of course, incidental construction costs are added.
But we are discussing my individual case.
And I have to say, luckily I have contacts (architect, construction companies of all kinds) who help me or make concessions.
I make concessions to them. They make concessions to me.
In the end, it still has to pay off. The calculators show me, however, that it works.