@ kirischatz: Then ask the construction company what is supposed to be included in the €120,000 for the 110 m2? Think beforehand about what you want and compare it with the offer. Then you quickly see what is missing. I have been planning a new build for a while. For a "medium" finish, you have to calculate about €1,600 per square meter of living space turnkey - without a basement and for 130 sqm. A basement costs at least another €30,000. Whether this price can be applied to 110 sqm is questionable, probably higher, because certain costs remain the same. The bank will recognize a maximum of 10% as own contribution unless you are a professional craftsman. You only save the labor costs. But I wouldn’t deduct the 10% because additional costs are always to be expected (it was like that for everyone I know). Besides, there are the special requests - and everyone has those. One doesn’t want the standard tiles for €25/sqm, another more electronics (e.g., satellite connections in the parents' and children’s rooms) or aluminum roller shutters instead of plastic and so on and so forth. Also, don’t forget the furnishings! New lamps, decorations, and a few new pieces of furniture also cost money. In addition, you should plan at least €2 per sqm of living space monthly as a reserve for later renovations. I know, it’s frustrating and no idea how others do it. But for us, we decided not to have to give up everything for 30 years. Although we don’t lead a life of luxury. The children will also thank you if they don’t always have to go without everything just so the parents have an old house after 20 years (when the children have moved out)... What is included in the additional costs? Garage or carport?