Unpredictability of construction costs - Will the project fail because of it?

I'm not very familiar with how banks calculate their securities, but wouldn't it become a problem if there are significant deviations from the original plans? After all, the bank does not have the same collateral after completion due to rising construction costs and consequently smaller construction. So what I mean is: the bank provides money assuming that a hillside house of 125 sqm + basement + garage will be built. What happens if someone, to put it exaggeratedly, builds an overpriced tiny house for the same money (without a basement and without a garage) which might later be valued at 100K less on the market? Can't the bank also veto this? After all, the "end product" house also serves as collateral for the financing.

I have oriented the plan and drawn in the house.



The terrain slopes, in my opinion, parallel to the street with 12% towards SSW??

I have oriented the plan to north and drawn in the house. [ATTACH alt="Grundstück mit Haus.JPG"]71186[/ATTACH] In my opinion, the terrain slopes parallel to the road with 12% towards SSW??

Exactly, that is correct.

I had already suspected the error from the floor plans, as there were no room heights yet. But the story height of 2.60m. But since we both came to a ceiling height of 2.25 m, everything is fine.

Would the height then be sufficient or not?

Would the height then be sufficient or not?

No, 2.25m is less than 2.40m. As already mentioned, in BY living spaces have a minimum ceiling height of 2.40 m. Clear planning failure. The top edge of the finished basement floor must be lower. Or the ground floor of the house higher, if the development plan allows it. Budget is not the same as the offer price?

No, 2.25m is smaller than 2.40m. As already mentioned, in BY living rooms have a minimum ceiling height of 2.40 m. Clear misplanning. The top edge of the finished basement floor should be lower. Or the ground floor of the house higher, if the development plan allows it. Budget is not the same as offer price?

The budget is 530,000 + 57,000 KfW funding. However, the offer price of course does not include garage, furniture, incidental costs such as construction electricity and telephone, as well as outdoor facilities except for the driveway and terrace.