Assessment of Financing New Construction 425k € / Overall Financial Situation

But this is already required by law alone, to provide the appropriate proof.

As far as I know, regardless of the loan amount and how high the income is.

During the conversation with the bank, at least regarding the initially requested €400,000 (child desire and salary reduction to €2,400 had already been communicated), there was no grumbling, and I was somewhat surprised by the so clear reactions here. But I was probably too naive.
Of course, I know the bank wants to get its money out to people, but they don't lend it to everyone in unlimited amounts. They want to see it again + interest

I will definitely take the tips to heart and will schedule another appointment with our architect. I will explain the situation to him and ask him to create a draft with sleeping/bathroom in the basement and the rest on the ground floor. Sleeping and children at the front would not be a problem in my opinion. We would have to see how to get at least a little daylight there, since the bathroom, for example, would then be completely in the hillside. At the same time, ask what kind of change in construction costs he could roughly imagine for this. 145 sqm living space and keeping usable space as low as possible. Unfortunately, it’s not that simple with the first child :) since we have to comply with a building deadline that expires in 18 months. The construction must have started by then.

As I said, the family background is sufficient so that the child won’t starve ;-) My little nephew also gets quite spoiled by grandpas and grandmas. The stroller or the nursery is paid for as well. Not because I’m holding out my hand, as was once implied above, but because they like to do it that way. Therefore, I don’t see it as too big of a problem now.

I see the additional financial burden on the cost side really hitting when it’s time to go to kindergarten.

But my point was about the fundamental feasibility in the context of our financial situation. The reactions there were mostly very clear. So for me, it means planning smaller now and seeing if something reasonable can be achieved and looking at what the costs turn out to be.