400k house financing - Who can take away my fear?

I actually also think it is not small at all.

Today it is only suggested that it is small.

There will only be the three of us, and after 18 years we are alone and get lost, no it's okay like this.
It is somehow only shown that the house has to be huge.

Winnetou I think it’s really not small for so few people! It sounds great!

[emoji11]

OMG, I already have a bad feeling about our €237,000. Either you and your acquaintances are all a bit crazy or I am too cautious [emoji3] However, my bad feeling also comes a bit from the fact that we might have financed a little too tightly in the end, despite a decent buffer. In any case, the buffer is melting away quite quickly. Your €50k ancillary construction costs are quite high, but don’t forget the kitchen, furniture, and buffer.

I see it much more relaxed. It’s probably because in Switzerland (where we still live) houses are generally more expensive and almost no one ever fully pays off a house.

I don’t find 170m2 too big. However, I would consider the basement: From my point of view, it isn’t necessary. And you save a lot of money right away. In the 170m2, a utility room will also be possible. I would do the double garage – or at least plan it so that an additional build is possible later if you switch now to a carport (which is definitely a good solution).

The area is always a tricky matter. Of course, you can usually manage with less – on the other hand, you don’t rebuild every year: so you have to find the optimum that applies to you. With 2 floors without a basement on a great plot, you are well served in my opinion and the money will be sufficient or you will be able to realize it with less. I estimate about €50k saving potential because of the basement (but €10k more for the outdoor area). And then everything looks much more relaxed.

We have 172 sqm of living space for 5 people, a warm attic (heating, storage), garage, and it is sufficient with a study and 3 children's rooms each with at least 16 sqm. However, we have foregone frills like a third bathroom, dressing room, pantry. A cellar is unnecessary if it's not a tiny plot and who wants to live in the cellar anyway.