Affordable house construction? Seeking expert help

Well, as a woman you just pay about 80 euros at the hairdresser including coloring, etc... the man every 4 weeks 25 euros... on average that could fit...

I was just about to write that. In the south, as a man, you quickly pay 30-35 euros (about every 4 weeks). Funny how the answers range from "solid/doable" to almost "impossible." Daycare costs 160 euros. The first child is planned at the earliest in 3 years. Maybe 4-5 years though. That's why the salary won't decrease, if anything it will stay in similar ranges even with reduction. Retirement provision of 250 isn’t really accurate either. I actually forgot to mention a company pension scheme of 200 euros (100 net). Shame on me.

With so many different answers, I unfortunately haven’t been really helped. Maybe this info is still important. In the current city, the rent per square meter including utilities is about 12-14 euros. That means, with our planned financing rate, we could currently afford 100-120 sqm rent (yes, without savings). Of course, that would be in the city and not 20km before it, but that alone already scares me.

The thing with the net salaries is true, but we are also still at the beginning of our "careers" and the fixed costs for car and fuel are not there because of the company car.

Well, you want to build now, or in a year, and not in 10 years.
The salary is not bad, but you can't deny that it can get tight once the family planning is complete.

Thank you very much for the answers. Since we want to build without a basement (don't see the reason) we need a technical room (12 sqm) and additionally an office (10 sqm) since we can both partly work from home. If you subtract that, it would be "only" 168 sqm, which is almost small for village conditions.

Most here build without a basement, with a utility room and often a children's bathroom, with an office for home office and usually manage with 160 sqm without compromising generosity.
You just have to adapt the house to your income, that's how it is.
You can rather do without a few sqm if the plan turns out too large.
You don't have to, this is just advice.
There was also the suggestion that the buffer for an architect house should be much larger than for building with a general contractor.
Architect houses are often difficult to calculate, it can also happen that they are only ready for moving in after 18 months.

With so many different answers, I am unfortunately not really helped.

What do you expect? Everyone has different experiences, one calculates more cautiously than another.
And someone who has the same opinion as someone else doesn’t have to write the same thing.
They simply remain silent.
It’s up to you to check every tip for yourself - there is some truth in every piece of advice. Ultimately, you are the one who has to pay the bill.

Storage space, technical room 15 sqm
Office 12 sqm
Kitchen, dining and living room 55 sqm
Hallway and wardrobe 15 sqm
3 bedrooms 45 sqm
3 bathrooms 17 sqm

You can of course add a few sqm everywhere, but you have to be able to afford it. Just like the risk insurance.

I was just about to write that. In the south, as a man you quickly pay 30-35 euros (about every 4 weeks). Funny how the answers range from "solid/doable" to almost "impossible." Daycare costs 160 euros. The first child is planned earliest in 3 years. Maybe also 4-5. That's why the salary doesn't decrease; if anything, it stays in similar ranges with reduction. Retirement provision with 250 also isn't really correct. I actually forgot to mention a company pension scheme of 200 euros (100 net). Shame on me.

With so many different answers, unfortunately, I'm not really helped. Maybe this info is still important. In the current city, the sqm warm rent costs about 12-14 euros. This means with our planned financing rate, we could currently afford 100-120 sqm rent (yes, without reserves). Of course, that would be in the city and not 20 km before, but that alone already frightens me.

I pay nothing, my wife does it with the razor. Before, cut ~go for 15€ every 6 weeks. Wife also does highlights every 3 months for 105€, I think. Net income both with 2 kids 5,500€ for 200k loan. Sleep well. Your wife is an HR person and we can calculate from scratch what you earn with kids. Part-time is often sugar-coated. If you as a man don't step on it, you have about 3,500€ net with kids. Child benefit is more than enough.

- Construction costs approx. 380,000 Euro (approximate statement from architect)

= Financing amount approx. 380,000 Euro (max. 400,000)

How do you analyze the situation given the existing conditions? Possible yes/no? What should be considered?

I would ask the banks directly what it would cost to refinance 50K. Or whether that fits into their surplus calculation.

Additional "fixed costs":
- Food 400
- Dog 100
- 2* Hairdresser 100
- Insurances 110
- Sports etc. 50
Savings:
- 250 in BS + fund savings plan
- Rest account

I already think it's great that the hairdresser is included in the costs: hardly anyone here includes these costs in their financing and therefore deceives themselves. However, I find the consumption factor somewhat missing here as well: clothing, hobbies, medication, gifts, pocket money, and vacation are missing for a good calculation.

Construction costs approx. 380,000 euros (approximate statement from architect)
- Architect 10,000

I always wonder with architect calculations whether additional construction incidental costs like earthworks are included. Also, for example, the utility connections are not included yet. Then, of course, there are the paving of the driveway and terrace as well as the garden landscaper for the splash protection. At least one calculates 20% as a buffer since the architect does not secure prices with companies like a general contractor does.