Build a new house, is the financial framework possible?

Supply air decentralized, exhaust air centralized with heat recovery.
Completely centralized costs 2500€ more.

With controlled residential ventilation? Central? Decentralized?

Basically it doesn't matter, if the statement is only that there are homebuilders in the cheap segment who will build you a Kfw40 house with 140 sqm. However, it must also be said that DW charges regional surcharges as well as transport costs and DW is in the ultra-low price segment like Scanhaus Marlow. I also had a price calculated for a modified house at Scanhaus Marlow - every screw is charged extra there.

But is right in that one should be careful with the word "impossible," but when it comes to a normal standard, then it no longer works. Also, one shouldn't necessarily try to convince the original poster with the cheapest builders.

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Thank you very much for the feedback

My advice would be to wait another two/three years. First, properly start your career, maybe reconsider family planning (wedding? children?), perhaps go on vacation ... And if the topic of building a house is that concrete, then an incredible amount of money should be saved in these two/three years. Because building today is insanely expensive (just take the real estate transfer tax in NRW as an example ...).

But maybe paying rent for a few more years and then, with possibly unchanged construction costs and higher interest rates, paying more in the end with more equity can also be a naive calculation...

But maybe paying rent for a few more years and then, with perhaps stable construction costs and higher interest rates, ending up paying more with more equity can also be a naive calculation...

The interest rates cannot get so much higher that you make a losing round with your small rent

Regards

Basically, it doesn’t matter if the statement is only that there are home builders in the budget segment who will build you a Kfw40 house with 140sqm. However, it must also be said that DW charges regional surcharges as well as transport costs, and DW is in the very low price segment like Scanhaus Marlow Marlow. I also had a price calculated for a modified house – every screw is charged separately there.

That is indeed true. The house price (including earthworks for heating) is ultimately €68,500 above the base price. That amounts to €1,625/sqm plus additional construction costs.

That is quite reasonable for the features (laminate, €25 tiles, underfloor heating everywhere, electric roller shutters all around, oak staircase, KfW40, glass fiber wallpaper, two-tone plastic windows, Nibe brine-water pump, air space in the living room). However, it must be said that we consciously chose a model with a higher base price. With the standard features, you could have saved €15,000 on the base price.