We are planning to build in 2022; the planning begins

Of course, estimated values will have to be submitted as well. I wrote a list: [GU Angebot] 10k sample provision 50k for incidental construction costs 100k for outdoor facilities 20k kitchen and furniture = total costs Apart from the [GU Angebot], all of these were rough estimates based on research

As already mentioned several times, every bank handles this differently. If it's only about an offer from the bank, your estimates are sufficient. If it involves a binding signature, you need a bit more. For architects, the cost estimate is the offer; for general contractors, it's indeed an offer. That you then also include additional estimates for upgrades, incidental construction costs, outdoor facilities, etc. is legitimate. However, they should of course also be realistic. The bank will question this again if in doubt.

Of course, estimated values will have to be submitted.
I wrote a list:
General contractor offer
10k for Muster building
50k for additional construction costs
100k for outdoor facilities
20k kitchen and furniture
= total costs

Except for the general contractor offer, these were all rough estimates based on research

Only 10k for Muster building? I’m rather calculating 30-35k. Kitchen will be paid from equity.

Thanks for the feedback.

10k for revaluation only? I am rather calculating with 30-35k.

It really depends on what is all included in the gu offer!

What you include for fittings depends heavily on your wishes and your offer. We had everything we knew beforehand included in the offer. Since that was most of it, we really stayed under 10k. In addition, there were mainly small things like an outlet in the gutter or a recess in the drywall for the shower. Also some plumbing, tiles, electrical, doors, but there were no big surprises for us. We looked at the standard from both suitable construction companies beforehand and carefully considered what we wanted more of. I found the outdoor facilities and additional costs much harder to plan. Luckily, we also calculated a 25k buffer on top... Regarding the kitchen, in the end it doesn't matter what you pay from equity and what from the bank. We added up the total costs, subtracted the equity, and the rest was the financing amount. Ultimately, for example, we now had the kitchen invoice paid by the bank, as otherwise commitment interest would have been incurred. Instead, we pay for the outdoor facilities with equity and thus avoid the commitment interest.

I need to know how much money I need. And the crux of the question was whether banks accept estimates, since the selection for samples hasn’t even taken place yet and I can only roughly estimate the costs.

Are you hard of hearing today? - the amount will (inevitably and therefore nothing new for the loan approver) always include estimated items. You can of course reverse the order of sampling and budgeting - but then with the consequence that the loan volume also determines the tile size.

The kitchen will be paid from equity.

Dream on, little estimator. The kitchen must be included in the financing: you already need the equity in the category "cushion without hassle" and the kitchen is therefore not available in the sense that it only gets more expensive if you cannot already install the final kitchen upon moving in. A provisional solution means two installations, and you really don’t want the alternative "kitchen cabinets with 'construction site doors'." Since you can only spend the equity once - so not simultaneously for kitchen and cushion - I recommend including the kitchen in the calculation (like basically all items, the amount of which is not unknown, should be included). If you (rarely for first-time mothers!) still have unused budget when moving in, then make a special repayment with it or put a swing in the garden. But excluding money from the financing (and then for an indispensable element) would be, to put it mildly, a bit too clever.