To be honest, I don’t understand the problem behind your question. If you allow yourselves a "Yes!" to the question "may it be a bit more?" not only at the sausage counter (for 270 g instead of half a pound) but also on the real estate market (for 600 instead of 400 sqm of building land) and can still afford to build with 190 sqm of living space plus a granny flat at least under the assumption of 3k per sqm, then you apparently only know money problems from TV. In that case, you also wouldn’t care in the slightest whether and to what extent building becomes more expensive. Being able to afford 600 sqm of building land already speaks for solid finances and/or that the Stuttgart metropolitan area is defined very broadly and we are not talking about Rutesheim or Ditzingen, but at best about the "Leinfelden metropolitan area" (?)
Just imagine once back in time: five years (= before Corona), ten years or more (before Lothar, before Kyrill, ...). From then until today, building loan interest rates have sometimes fallen, but construction and other prices have also risen. These are not events that happen as rarely as Halley's Comet. Assuming Putin / Hamas or the like were history next year and Habeck's "heating ban" as well, and there were also no more chip shortages or delivery difficulties with heat pumps (there are still people who believe that a good fairy is born every morning). There are good reasons why I named my info blog "Building now," because a luck that favors the hesitant is not in sight. Betting on falling prices is something for fools who want to become poorer (in terms of purchasing power). Time does not heal prices. Even Kostolany would never have become rich by waiting if the thread of crises had once snapped.
Here, there should be no "or" before an architect. Construction companies and prefabricated house providers like to advertise that you do not have to pay extra for architectural services, but they explicitly refer to "necessary" architectural services, i.e., those required to obtain a building permit. And of course, they also allow customers to move the windows around on the facade until everything looks balanced for symmetry fans, or draw several visual simulations. Nevertheless, I recommend never to go to a general contractor instead of an architectural planning and tendering (regardless of whether stone or "wood").
As a currently also professional construction consultant and overall experienced home planner for four decades, I can assure you that every saved architectural fee can be transferred 1:1 to the cost center "surprises," and that especially the large fee portion of phase 5 pays off fully. In phases 6 and 7, it is even the case that without proper tendering, you will build more expensively (only exception: with employee discount at the building materials dealer, you can compensate it so far that you effectively break even).
If you now go "unprotected" through an architect to a construction company (no matter which construction method), they will be able to quote you prices. But these must still be treated with caution, like those estimated by an expert at the current planning stage. They will quote prices for the (including the granny flat) 220 sqm that would make you think the warners were all pessimistic cynics and building is actually cheaper than thought. But even without taking future price increases into account, it would only work out in the end if you painfully refinance and downscale.
That is very good – just as it is that you want to select the stone construction companies from the region. They are usually more recommendable and won’t play you off with their legal departments in case of complaints like the big names with their great brochures.
Who did you choose for this drawing? – Freelance architects (mostly at the cand.arch. stage) are a suitable address here, less so draftsmen. It’s already very good that you did not make a layman’s plan yourself. But despite the drawing, you better go to the architect afterwards first only with the list of requirements and wishes.
This is a very important point. That excludes all shell construction companies (Allkauf Haus, Massa Haus, etc.) and actually also turnkey discounters like Scanhaus Marlow & Co. Resist the misconception that a general contractor is "the solution"!
I recommend the following procedure:
1. read here with the forum search terms like "house building schedule," "Gerddieter," "individual awarding"/"own awarding" the existing threads on how to proceed with house planning;
2. now go to construction companies and model house exhibitions. In doing so, select providers for higher demands (you will need the buffer) and consider stalking by salespeople, i.e., set up a disposable email address and a prepaid dumbphone;
3. go to financing consultants and also get a building land appraisal;
4. commission a freelance architect with phases 1 and 2 ("Module A" see "A house building schedule, also for you: the HOAI phase model!" – external, so to be googled with quotation marks);
5. during the rest phase – now with the architect's preliminary draft – go again to construction companies and house manufacturers (this time in the actually suitable market segment), while you or the architect submit the building pre-application;
6. derive a decision from the feedback of your price inquiry whether phase 3 (design) should be planned in stone or wood and commission the architect for the further path (see contributions on the above search terms).
Yes, you’re right. We have no money problems, but with such, one should in my opinion the
Actually space for grandma. Renting is out of the question for us. Of course, it could also be that the children might want to use it later.