Plans shortly before submitting the building application - Your feedback?

For ELWs, a builder can get wonderful subsidies and calculate a business case that, at the current interest rates, is a sure thing – even assuming rental vacancy periods. However, an increased liquidity reserve is advisable in the granny flat model.

There he goes again, this "man." With investments, it doesn't matter where the money comes from; financing costs then simply count as an expense. There are 4 questions to answer:

How much do I put in?
How much do I get out?
By when have I gotten it out?
How sure can I be that I have answered the first three questions correctly?

Normally, I am a fan of your balanced view, but here I even find what you write rather dangerous. We are not in a professional investor environment here, and these general hints do more harm than good to the OP. And what good are the most beautiful repayment subsidies in 10 years if the money isn't enough now to put a roof on the house (to put it somewhat exaggeratedly).

Normally I am a fan of your balanced perspective but here I even find what you write quite dangerous.

Thank you - it can indeed be misread. Therefore I add: If the project is "tight": Do not finance the granny flat if you want to be "safe".

I like the house design. It is straightforward and intended for people who want to live with little stuff - the floor space would be completely sufficient for us, for example. Apparently not for . Nevertheless, the note is very valuable because you need to know what you're getting into.

Yes, opinions are that different. I already need a room for my hobbies!

But where would you put the following things that you need daily? Vacuum cleaner, mop, bucket, cleaning supplies, broom, ... Should all of them go under the basement stairs and then always be carried down from the upper floor?

Since there is no crawl space either, where do you put things you don't need that often like suitcases, Christmas decorations, ...? In the end, there’s almost only the garage left.

I looked at the views again. What is actually that retrofit chimney for old buildings?
Where is the mentioned office, actually?

Yes, opinions are so different. I do need a room for my hobbies!

But where would you put the following things that you need daily? Vacuum cleaner, mop, bucket, cleaning supplies, broom, ... Should all of them go under the basement stairs and then always be carried down from the upper floor?

Since there is no crawl space either, where do you put things that you are not using very often, like suitcases, Christmas decorations, ...? In the end, almost only the garage remains.

I have looked again at the views. What is this retrofit chimney for old buildings actually for?
Where is the mentioned office actually located?

Office "option." Yeah yeah, I know, in the dining room, but that’s exactly how I want it. I also like to watch my family while working or doing hobbies (IT and electrical engineering nerd). If needed, there is the glass wall.

I myself lived as a student in a basement apartment in a single-family house with someone. Everything was great.

But that doesn’t mean you have to build a basement apartment yourself now... !
gladly... but somehow nothing else will come out of this discussion because you insist on your point, argue everything your way, and would rather do without living space like a single-family house than give up the pocket money from the basement apartment. I believe you’re just cool with having a basement apartment. And that’s why you’re building

the planting as well

Instead of watching the kids play in the garden, you watch noisy cars driving by when you sit at the table.

.. or an unkempt garage roof. Don’t tell me about greening etc. or planting on the roof terrace. You only get some garden equipment or water into that zone by many detours. You’ll do it for half a season and then give up on nice greenery on this terrace. Nothing but expenses, but there is charming plastic privacy screen you can resort to

For basement apartments, a builder can get wonderful subsidies and calculate a business case,

How much do I get out of it?

How much do I invest for others? What do I sacrifice? Privacy in the single-family house! Here a basement apartment is not appropriate at all: best hillside location in the south and west, entrance in the northeast: you can plan a great 160 sqm just for yourself if you’re willing to go downstairs to the basement living area.
Instead, you build this basement apartment right in the middle of the property, which you have to constantly walk around including the student’s vehicle, and where the tenant will park his own car. Rear outside stairway and bet the farm there has to be one in front, too. Garages are not constantly used as passages into the house (only in the wildest dreams of a Barbie dream house). The kids park their fleet in front of the garage and the basement apartment’s door and circle the house including the parking space to get inside. What madness to have the tenant constantly on a silver platter and to share the garage driveway with his entrance?!
And then this 90’s roof terrace that sits like a cage on the garage. The hillside is absolutely used unhappily here.
If the basement apartment were in a not rear area, it would be different, but here I simply do not see the quite compact building style as congruent with the basement apartment

Architect’s/draughtsman’s mistake I would be happy about!

Missing parking space, as already suggested. Own slave in the house and the tenant’s slave, who is on display like you are. Architects rarely consider such things. They don’t care where the shoes, the file folders or the beer crate should go.
Garden use: after work the plants get watered while the grill starts up. Should the hose run through the kitchen?

But where would you put the following things you need every day? Vacuum cleaner, mop, bucket, cleaning agents, broom, ... Should they all go under the cellar stairs and then always down from the upper floor?

On your feedback of any kind,

From the outside, the house has lost a lot of the original idea. The small roof overhang, the reasonable windows, the three floors make the house look like a multi-family house with little charm. The window sills offer little view of the property.
That would all be okay if you built a house in which you can unfold yourself. But I don’t see that here.
You have to search for an office.

My feedback: Don’t make yourself unhappy. That is far above your budget. Your basement will cost almost the same as your other floors. Or do you think it will be cheaper? In (mainly) living space quality. I bet that with everything included you will end up around 500-550k.