How far along is your house planning? The finished height of your floor will already be determined before construction begins! The stairs, stair steps, etc. depend on this. It would be annoying if your stairs end up 10 cm higher than your later floor. Therefore, I don't understand your requirement. Of course, the question remains whether it is screed, or just insulation and then the floor covering, but the height of the later floor is not flexible, is it?! The structural engineering should also already be calculated, right? Why should a screed floor with underfloor heating cause problems there? Sorry, but in that case, I wouldn't trust the house. If so, then please do it properly and design the statics so that the floor structure is also possible with underfloor heating and screed. If you are planning a bathroom in the attic, have the supply lines brought up (including angle valves so that you can flush the lines every few days).