Most home budgets go wrong not because of the construction rate, but because of items that were never planned for. A realistic budget looks at the full cost of the project from the start.
- Structure and civil work: usually the largest share of the cost.
- Finishes: flooring, doors, windows, sanitary fittings and paint vary the most with your choices.
- Services: electrical, plumbing, water tanks and pumps are often underestimated.
- Approvals and fees: building permission, utility connections and professional fees.
- Contingency: keep 8-10% aside for price rises and site changes.
A detailed bill of quantities prepared from the working drawings gives you a reliable estimate and lets you compare contractor quotes on equal terms.