Building on existing land

As already said: assume that you alone will not get this loan approved.

If the loan matches the income, why shouldn't it be approved? I am also the sole borrower, and I had no difficulties at all. The amount was a bit lower. But thanks to equity, the original poster doesn't need €430k, but €370k, and the situation is overall very comfortable with the existing property. It could be that the household budget is a bit tight here if effectively only €2700 net remains. But if something changes in the near future... there shouldn't be much time pressure except that which is self-made.

Exactly as ypg writes, that's how we did it. 100 sqm finished downstairs and good 60 sqm reserve upstairs – with a gable roof. Works perfectly for two people and we are significantly cheaper than our neighbors who had everything finished with the same size (of course, you can't compare 1:1). Nice side effect: in old age, everything is available downstairs and you don't necessarily have to overcome stairs.

It's difficult for me. According to the development plan, a maximum of 70 sqm per floor is allowed, so my current apartment is bigger. Before I live in a half-finished house because I can't afford it financially, I'd rather not do it.

If the loan matches the income, then why shouldn't it be approved? I am also the sole borrower, and I had no difficulties at all. The amount was a bit lower. But thanks to equity, the OP doesn't need €430k, but €370k, and considering the existing plot, the situation is quite comfortable overall. It might be that the household budget is a bit tight here if effectively only €2700 net remains. But if something changes soon... there shouldn’t be much time pressure except the self-imposed kind.

Thanks to the collective agreement, my salary development is predetermined, so I know roughly what I will have in the coming years; the next salary increase will be in April. Moreover, according to Fingerhaus, a completion in 2 years is realistic anyway due to the high demand—they can't keep up. Apart from whether I would even build with Fingerhaus. Thanks for the encouragement.

For the bank, only the current state matters. And that has nothing to do with view either.

For the bank, only the actual state matters. And that has nothing to do with opinion

the thing with the "opinion" was more related to your experience with a potential acquaintance

In my opinion, not a good idea to build when life planning is still so 'uncertain'. What is driving you now? You surely have the plot, and you are also continuing to save equity. I would lean back relaxed and wait until your life develops in such a way that building a house makes sense.