House mortgage? Can it go up? (Law, economics and finance, houses)

Hello,

we want to buy a house. We have already been to a bank and have gone through everything with them. The amount we have imagined is possible.

The bank would like a statement of costs from the architect. Now we had an appointment with him and went through everything during a house inspection.

In the end we ended up with the roughly estimated renovation and conversion costs, but these are higher than we want to take out the loan.

We want to do a lot on our own and only get a specialist for the important things (electricity, water, gas).

Do we have to take out a higher loan from the bank or can we stick to the lower amount?

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