Application phase land - How do I finance everything?

In your total, however, costs for incidental expenses, sampling, and buffer are still missing. So still a whole bunch

150m² x 2000 € rough estimate: 300,000 €
Garage 25,000 €
Garden 15,000 €
Kitchen 20,000 €

Total: 360,000 €

The amounts are just estimates. Are the estimates okay?

The ancillary construction costs are missing (you can quickly find a lot of information about this) and are unfortunately another 10%-20% of the house construction costs. But then you already have a good orientation. You have equity and the advantage of age – a deal like a 30-year fixed interest rate at the price of the 15-year one would be quite suitable for you. Then the target repayment of ~1200 will also work. Still, when roughly calculating, it is quite close to the limit – you will need more than €400,000 in credit.

But your total still lacks additional costs, patternings, and buffer. So quite a chunk more

How would your calculation look in this regard?

"Possible plots cost including additional costs and development costs approximately €80,000 - €100,000," I had mentioned at the beginning.

I meant the additional construction costs, which are missing. Depending on the excavation and disposal costs, this can vary. I haven't built myself, but I estimated 50k for that. The kitchen is also missing, 15-20k.

I meant the incidental construction costs, which are missing. Depending on the excavation and disposal costs, this can vary. I haven't built myself, but I estimated 50k for it. The kitchen is also still missing, 15-20k

He had mentioned the kitchen; he had already listed the garage as a cost-saving position. The incidental construction costs are to be understood as a percentage; for a house roughly costing €300,000, €50,000 is certainly reasonable. Whether 150m² will work for that price is another matter – perhaps it would be worth calculating once more with 140m².

That's right, you are correct, the kitchen was included. I got a bit confused