Beginner questions about house building

Many points are so general that you actually cannot make any statements about them.

Prices depend heavily on the region, and what one person sees as luxury, someone else sees as a basic requirement.

Choose a suitable model plot of land.
Request informational materials from builders.
Select 1-3 suitable companies and get quotes.

Based on real offers for land + house, a realistic budget can at least be determined with well-calculated incidental costs and generously estimated additional costs.

With that, you can ask the bank what the whole thing would cost you.

Hello kauderwelsch, your invoice is also missing the complete additional costs (Grunderwerbsteuer, Notar, Grundbuchamt)!

Hello kauderwelsch, your calculation is also missing the complete additional costs (property transfer tax, notary, land registry)!

Aren't they included in the 40000 construction incidental costs?

Aren't they included in the 40,000 ancillary construction costs?

No, a distinction is made between purchase/acquisition ancillary costs and ancillary construction costs.

asked again for clarity. Architect 45k = 45,000€???

Otherwise, a noticeably higher loan would probably go against our need for security. With four children, we don't need to take risks. Then wait and save for a few years until the second income arrives and build with a significantly better financial framework.

Therefore, always purchase land separately and in advance. So, for example, if you pay 60,000 for the land, you only pay, let's say, 5% real estate transfer tax, which would be 3,000, plus some notary and court fees, so about another 1,000. The house is then exempt from real estate transfer tax later. Karsten