Remaining loan amount specifically "NBA" player bank

To calm you down, additional construction costs will be included in the calculation as a buffer/petty cash and as non-equity capital, and the house with garage is set at 365 (with manufacturing costs "Pos. 300") by the architect.

Why do you make it so complicated and non-transparent? I don't understand the point of choosing more money from the bank as a free buffer, but then paying foreseeable additional costs out of your own pocket bypassing the bank.

Just finance all costs plus estimated additional construction costs listed by the architect. Then your petty cash acts as a buffer. That's super simple.

-edit- How much money is actually in your petty cash?

To reassure you, ancillary building costs will be included in the calculation from the buffer/petty cash and not as equity

HUH? The bank asks: Do you have equity for ancillary building costs? And how high are the ancillary building costs? And you say, I won't say and I won't pay from equity. But from the petty cash and that is not equity. This is like saying that you don't include a floor in the calculation, but you build it and want to pay from petty cash. What you write and think here does not interest any bank at all. They want a calculation of what the house will cost until completion. All in and not just fragments. They also want to know how much loan you need = the rest is usually equity to be used in advance. My clients (although more in the commercial sector) basically never get the loan before the equity contribution. Why would they...

Butter with the fish.
Cost statement all KG at 416T
I assume ancillary construction costs of 60T, which would total a credit of 476T.

Parts of the ancillary construction costs, such as architectural services, are already covered in the KG and others, like sewage/surveyors, are/were already paid from petty cash. Therefore, I was probably able to reduce the originally planned 60T ancillary construction costs somewhat. And in total I will "only" need the 400T credit.

The original idea was: "If I manage to reduce the finished production costs to, for example, 350T with own contributions, what about the remaining 50T, which, once the house is finished, can no longer be evidenced?

That was originally where my dark thought came from.

You have to include the property and all costs in your cost statement

Property
Construction costs
Additional costs
less equity to be used
= financing amount

Where you get the equity from, whether from your bank account or as a private loan, is irrelevant. Only this way will you get a good loan-to-value ratio.

Now you use your equity first for the property. If equity < property value, you have the remainder paid out to you.
Just like the invoices already paid out now.

Butter with the fish. Cost breakdown all KG at 416T Building ancillary costs I assume at 60T which would total a loan of 476T.

The bank needs a complete breakdown including the property and all positions related to the construction.

The original idea was: "If I now manage with own contributions to reduce the finished production costs to e.g. 350T, what would happen with the remaining 50T that,

The bank, if the house is built as planned, WILL HAVE to pay you that. Private customers have, as far as I know, no regulation that cost reductions lead to loan reductions (and that then also against non-acceptance compensation).

Roughly, I would estimate 1,600 hours of personal work for 50,000 €... do you have half a year off with full pay? (Half a year at 60 hours per week on the construction site)