Please assist with the evaluation of construction costs

The pure "heating system" should stay well below 8k all-in

I would replace the "should" with a "can" for the heat pump with hydraulics without underfloor heating. 15k€ for everything from a single source is not unrealistic.

Maybe we are just misunderstanding each other: If I want to compare the full costs, I obviously have to exclude those system components that will also be my responsibility with district heating ([Sowieso-Kosten]). Since I do not assume that the district heating network operator installs customized systems for the builder, in the end, only the pure heat pump (instead of the heat exchanger) should actually remain as a variable, and that really should not cost 8k including installation.

It is conceivable that some contractors actually charge more for that, but that should not be the standard for the calculation.

That seems quite a lot to me. That might include heating surfaces and their connection, but you pay for those anyway. The pure "heating system" should be well below 8k all-in. Additionally, the service life was set very low at 10 years; I would expect at least 15, more likely 20 years.

Sure, that is extremely rough. I also said that it is definitely cheaper with an air-to-water heat pump. Everything has its pros and cons. That’s why you simply cannot avoid finding a solution that suits you personally. I have already explained our reasons. For a terraced house, the base price is also not 1,700€ but 1,300€/year.

However, your comment also made me realize that it says you have to prepare for solar. I am actually into photovoltaics and didn’t want solar anymore. I forwarded the question directly to my architect – so thanks

I think the city isn’t that strict anymore. According to the general contractor we are currently negotiating with, it’s enough to lay an empty conduit from the roof to the utility room ¯\_(ツ)_/¯

At something between 1.3-1.7 (more like 1.7 for a semi-detached house) base price per year, I am definitely in favor of the air-to-water heat pump. By the way, they meet the requirements of the development plan. Our general contractor has already laid a foundation for a single-family house basement and an air-to-water heat pump there, so empty conduits and air-to-water heat pumps should be possible. Based on experience with the price development of the municipal utilities, he also advised us against district heating. What are the other terms of the municipal utilities ? Since we were/are leaning towards the air-to-water heat pump, I haven’t contacted the municipal utilities yet.

@ : By the way, I have a Gmail account with the same name as here, just without the hyphen. Maybe I can invite you for a coffee sometime?

Best regards and many thanks
Johannes

Our reasons have already been explained.

It’s really none of my business, but I’ve heard that people in your situation just need to be told this directly: You’re fooling yourself!

Your "reasons" are obviously "budget reasons," since, as already stated in post #7, you absolutely cannot or do not want to spend more than 448k. Now, in post #28, you’re sugarcoating that and rambling about "owner risk" (somewhat paradoxical for a builder, right?) and the exorbitant costs of an alternative air-to-water heat pump, which are also based on your own estimates.

To me, this is only explainable by the fact that the bank doesn’t want to give you any more money. Otherwise, you could simply finance, say, the 10,000€ for the air-to-water heat pump over 10 years at around 90€/month, instead of paying 140€ monthly for the district heating. That would not only reduce your monthly burden by 50€/month for 10 years, but at the end of the term, you’d also own a fully paid-off system that would continue to run almost free of charge for at least another 5-10 years.

But if the bank is already pulling the emergency brake, there must be a reason for that. Normally, they are grateful for every cent they can get rid of.
Before you try to pull a fast one on the bank, bring the district heating provider on board as an additional financer at killer interest rates, and end up feeling the missing money clearly in everyday life, think again about whether you could actually save money elsewhere.

I already mentioned the garage, but even with 165m² of living space, the photovoltaic system, or the 40k sample budget buffer, I still see massive potential for savings. That will probably hurt more at first than some abstract future installment, but in your case, it’s more than warranted if you’re already thinking about where to find extra funds before the first spade hits the ground.

It’s none of my business, but I once heard that people in your situation simply need to be told this directly again: You’re lying to yourself!

Your "motivation" is quite obviously "budget reasons," since, as already stated in post #7, you definitely cannot or do not want to spend more than 448k. Now in post #28 you’re sugarcoating that and blathering about "owner’s risk" (somehow paradoxical for a builder, right?) and the horrendous costs of an alternative air-water heat pump, which are also based on your own estimate.

To me, the whole thing is only explainable by the fact that the bank doesn’t want to give you more. Otherwise, you could simply finance, say, 10,000€ for the air-water heat pump additionally over 10 years at about 90€/month, instead of shelling out 140€/month for district heating. That would not only give you a monthly burden reduced by 50€/month for 10 years but also, at the end of the term, a paid-off system that will serve almost free of charge for at least 5-10 more years.

But if the bank already pulls the ripcord, there must be a reason for that. They are usually grateful for every cent they get rid of.
Before you try to outsmart the bank, bring the district heating provider on board as an additional financier at murderous interest rates, and in the end, the missing money noticeably determine your everyday life, reconsider whether you might actually save money elsewhere.

I already mentioned the garage, but even with 165m² of living space, photovoltaics, or 40k buffer for customization, I see massive savings potential. That certainly hurts more at first than some abstract future installment but should be more than warranted in your case if you are already thinking about where you can raise additional funds before the first sod is turned.

Thanks for the criticism. Basically, I agree with you that it might look that way from the outside. And yes, I set myself a budget that I want to stick to. This budget even includes the air-water heat pump. However, the fact is that I consulted a comparison, spoke with an energy expert, and also with my architect, and all came to the conclusion that it is completely okay cost-wise. As I already wrote, it is minimally more expensive in comparison, which I consciously accept. Since you obviously are quite strongly against a local heating solution, you surely have good comparative figures that underline the (alleged) immense cost advantage? I have such a comparison. I also linked it here but was stopped by the admin (understandably, those are the rules). So facts instead of assumptions would be more enjoyable for me.