URGENT: Plausibility Check of Additional Construction Costs - 2 Days Before Deadline

I don’t want to offend you, but I would urgently advise you to make it a habit to list absolutely everything in the cost breakdown - regardless of whether the item is financed or covered by equity.
That is "left pocket right pocket."
The company doesn’t care where the money comes from, and you will probably have to use up part or almost all of the equity first before you get to the bank’s funds anyway.

This leads to confusion and thus to mistakes.

The budget planning has several aspects:

For loan acquisition - what exactly does the bank need? They get exactly that and no more.
For contractors - what security do they need? They get only that and no more.
For oneself - what do I need to know? The desire for an overview knows different levels of detail. The closer one gets to the feasibility limits, the more important precise planning becomes.

Tip: Better to build a little less than to calculate too tightly, then you can sleep well and stay relaxed in negotiations and detailed decisions. Therefore, plan for a margin. How high it should be is a mix of nerve and financial situation.

A quick note on splash protection: Do you really always need it? Our standard is a colored stone plaster 30cm above finished floor level [üOKG]. In the construction performance description, it is mentioned as protection against splash water. But that is not sufficient?

To write something contrary: 20k for the terrace roof is too much, if (!) it is just the roof without side glazing or similar. If you do it yourself, it will be much cheaper...

leave in as a buffer.

Just on the topic of splash guards: Do you really always need them? Our standard includes a colored stone plaster 30cm above finished floor level. In the construction performance description, this is mentioned as protection against splash water. But is that not enough?

There are also houses without them. The general contractor does waterproofing on the house, which protects against water damage during construction. The splash guard protects against dirt on the facade, so mainly for aesthetic reasons. To put it very simply.