Remaining loan amount specifically "NBA" player bank

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

Please don’t be overly precise:
it was basically about whether something remains leftover and not exactly €50K saved.

For me personally, everything is too fictional. Talk to your bank to see if there is a regulation for non-acceptance. I would always only put such things in writing. Otherwise, the rules are,
- No invoice, no money
- Equity must be used up first
- If equity is gone and a blank advance (I had €10k, which required proof/invoice to be submitted later) is too low, no EL, because no money for materials.
- With 170 sqm and appropriate equipment, nothing is left over. I would still put it in writing, though. We didn’t do it, and the bank didn’t want to release anything, even though we were finished and ready.

You see, everything is very unfriendly towards EL, but that is obvious to prevent nonsense with borrowed capital and to avoid pretending more equity than actually exists. Do you actually intend to declare the private loan?

By the way, architectural services are not broken down under 300 and 400. Incidentals are not either.

…. also
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Your project can work. It depends on the financing bank and especially on your equity ratio. With us, withdrawals up to €25,000 were possible without proof. We also used this several times during the construction phase and certainly received more than €100k without proof.

Oh yes, if you absolutely want to include a buffer, you should consider one thing. By increasing the loan amount, you may end up paying a higher interest rate on everything - which can become expensive over the term. Otherwise, once again: If there is money left at the end, the bank cannot do anything other than give it to you - exception: The house was built differently or it was contractually fixed differently (but that is an individual agreement and not the standard).

What is an "NBA player bank" - do the top league basketball players earn so much that they have to lend money commercially???

Presumably, an online-oriented orange bank is meant, which had a quite famous ex-NBA player in its advertising for a long time?