Planning a single-family house with a general contractor or architect or similar

The question is quite simple to answer with a counter-question. What is your house worth to you and what are you willing to pay? You can compare offers for months, each differing in price. What really matters is whether you are satisfied with the final result. I find the above quote very fitting and truly advisable. Consider whether cutting costs in some areas is worthwhile. And whether all the effort/stress is ultimately justified by the costs. If you then get a house for 150k that matches what you envision, then you have made the right decision!

That 150k is not a small amount of money either, I don't want to say that, but turnkey construction of the mentioned size is simply not possible with that.

120m² according to the Wohnflächenverordnung is then depending on the roof about 140m² of living/usable space. If you extrapolate that with the average price per square meter, you would have to be at >200k, so the delta is not exactly small. In my opinion, in this range you could only build with a not exactly small share of your own labor, or build smaller. If there are no children yet, maybe also with a prepared attic expansion, which you then carry out step by step yourself.

Savings potential for the company naturally exists in the profit, but if they do this more often, then that won’t last long either.
Labor costs cannot be saved (if we are talking about a local company), since the collective agreement applies equally to everyone. So reducing costs is only possible if time or material is saved, which always entails a reduction in performance.
Normally, savings are made in the following areas:

- Construction
- Thermal insulation
- Equipment and technology
- Liability (yes, this is possible here too through interesting contract design)

For all these points, an independent expert, i.e., someone who doesn’t want to sell you anything, can also tell you something. The contract and specification hopefully will be available to you or can easily be requested.
Then you invest a three-digit amount for the review and listen to it. Since you don't believe anyone in the forum (although the opinions are quite unanimous), this is the only possible way left for you.

Labor wages cannot be saved on (if we are talking about a domestic company), as the collective agreement applies equally to everyone.

However, there is a difference whether a foreman with one journeyman, two journeymen, or one journeyman and one assistant/apprentice lay the tiles/install the heating/etc. Our shell construction was built by the foreman and his assistant. If he had hired two journeymen, they would have finished it in half the time.

Not unimportant for the builder: the longer the construction takes (because fewer skilled workers are employed), the more expensive his double costs become (rent plus standby interest).

You should create a proper calculation. A kitchen does not belong in the ancillary construction costs and is not financed.
Besides, it will also be difficult nowadays to find a bank that finances a house without exterior landscaping. At least the development through paths and border strips should contribute to value creation.

thanks for your answers.

why shouldn’t a kitchen be co-financed? if I put in €50,000 myself, I can also spend it on the "non-financeable" items in the end. that’s nonsense. the real estate transfer tax and the notary are not financeable because both have no value.
I now have 3 quotes with the costs for the extras. you can get them relatively easily, send an email, you get a callback, say what you have in mind, and 10 minutes later you have an offer in the mailbox with all desired extras (the costs of the extras are listed separately). you can read about the amount of ancillary costs very well in various blogs, and with one provider we also received their ancillary cost calculation. we have already listed the ancillary costs ourselves, calculations are not completely foreign to me.
where I still have absolutely no idea is the financing thing with the bank. I have already received offers from Interhyp (the interest rates are really a joke), but I don’t yet know to what extent they will pay out the desired amount or not. the smart books don’t really go into that in depth either. only that of course the bank checks what the object will really be worth in the end...

where I really have no clue yet is the financing situation with the bank. I do have offers from Interhyp already (the interest rates are really a joke), but I don't know to what extent they will pay out the desired amount or not.

Long story short with you and still doubts as to whether the money will flow

A kitchen is furniture and... yes, sometimes there are banks that finance something like that (at least it is mentioned here, but I still don't believe it)

So: furniture is not financed, because it does not belong to the house construction!

why shouldn't a kitchen be financed? if I contribute €50,000 myself,

The difference is that you (let's take the €15,000 for the kitchen out) can only show €35,000 equity instead of the €50,000 for the loan!

Edit: a kitchen is not part of the additional construction costs. Nor is it part of the house costs, acquisition costs or the exterior facilities

Unbelievable... the OP unfortunately has little to no knowledge and apparently is hardly willing to accept any advice. Instead, replies to other posts are made with an incredibly clueless arrogance. Suddenly, however, the knowledge about loans at one’s bank is missing... interesting... Payday, you’d best take the wonderful offers that you suddenly find in your mailbox and build or have the house built. So in about 2 years, roughly after (partial) completion, you can let us hear from you about how it went eek: