What loan amount and how much equity capital should be reported to the bank?

What concerns me more is your list: Normally, the BU visits your country with you and makes you an offer for the necessary earthworks, including rough planning. The gravel layer around the house actually belongs to garden landscaping. The terrace must be specified in the building application. There is nothing to wait for, whether and possibly how, where, what.

What worries me more is your list: Normally, the BU visits your land with you and makes you an offer for the necessary earthworks, including a rough plan.

I know it quite differently from here. What is necessary can only be seen once the excavator is at work. With the help of two boreholes, we could estimate it well, but in the end it is still calculated based on effort. In our case, this meant that we only had to pay an additional €700 because there was actually a peat lens at one spot and they had to go one meter deeper. So always plan good reserves in addition.

I can maybe still imagine sowing grass.

As a gardener, you're really venturing quite far.

5. Creating flower beds + lawn + plants

Gosh... I only just saw that you listed gardener as your profession.
I don't like people who give wrong impressions to those who ask them for advice.
Somehow, the scales just don't balance there.

Hehe, that was not meant in a bad way. I just don't want to put any personal data on the internet. I hope that is not a problem. The thing with the earthworks seems to be like Russian roulette. We will definitely do soil surveys there, even though we will be building without a basement. I'm already curious what will come out.

In developed new residential areas, this soil report is often provided. If not, I consider it important. If, as in our case, the soil report was available and an on-site meeting takes place where, on location, the report and the zoning plan are discussed regarding where the house should be placed and what rough planning is feasible, one usually does not experience any real surprises in civil engineering. 10% over the cost estimate is not catastrophic for me. Karsten

I would talk to the bank about how much maximum there would be and where there are interest rate limits (loan-to-value). "Usual" is for example 80% loan-to-value (so 20,000€ of 100,000€ is equity) as a step. The bank has no interest in seizing all your equity. But it can tell you how much is necessary to get a better interest rate, for example. You can also include equity in the whole thing and then buy "what you want" with it. We had indicated 65,000€ equity, plus 270,000 loan. The bank only wanted proof for 200,000€ (which exactly corresponded to what the construction company invoiced). What we did with the rest was nobody’s business. In the end, they only wanted a list of where the money had gone (without invoices/receipts). The bank advisor came by once and took 2-3 pictures. It was clearly visible that the money went into the house. The kitchen was also "part-financed" this way, or bought via the stated equity. We have our loan with the local Sparkasse and would finance there again with such uncomplicated cooperation (if the price is right).