Amount of the monthly installment

Here, a lot is mixed up, in my opinion, it should be more differentiated...

The income and the desired installment are realistic, better would be max. 1200,-, then you are at roughly 37-38% housing costs including additional costs and some reserves, which is sporty but possible.

The required total capital of 360,000,- also roughly fits in my opinion and is not completely unrealistic.

The loan-to-value ratio with non-liquid but high equity of 140,000 is very, very good, there are plenty of banks that appreciate that!

The only thing that doesn't fit at all are the pure house costs of allegedly 200k. But in this case that is not even decisive, because with 360-45 (land) - 50 (ancillary construction costs) there remain about 265k for the house. At 2000,- / sqm that would be 132 sqm living space. The floor coverings and material for painting unfortunately will then go for the wedding.

My conclusion: clarify how the house costs are supposed to come about, postpone the wedding or postpone the start of construction or finance 380k.

So we didn't build rurally, but in a small town... but overall we ended up with 200,000 euros (and that included the land, about 35,000 euros)... and it was 140 sqm of living space....

For 360,000 we would probably have gotten a 250 sqm house + 2,000 sqm of land...

Where exactly do you want to build?

Edit: Forgot the outdoor facilities... so it was a total of about 220,000 euros

Near Giessen, if I have read that correctly. It might be slightly higher in price than BB.

Near Giessen, if I read that correctly. Should be somewhat higher in price than BB.

Lower will also be difficult...

It will be hard to get any lower...

Well. When did you start building? I also don't see a chimney or a conservatory. With the extras and shading, together with the chimney, you're easily at +40k€ compared to a standard house.

We simply don't know the features except for the 2 details!

I believe the OP has no clue about the current construction prices anyway. They probably just quickly looked at Danwood or Allkauf Haus or whatever they're called. Nothing more....

Well. When did you start building? I also don't see a fireplace or conservatory. With all the bells and whistles plus shading, together with the fireplace you're easily at +40k€ compared to a standard house.

Started in July 2015 and moved in January 2016... We don't have a fireplace or conservatory... both didn't make sense to us...