Buy a building plot now for construction start in 23 / 24?

Well, I’ve been reading in this forum for quite a while now: 90% want it and can’t do without it. By the way, the list is just the tip of the iceberg that most want, or why building a house then costs over €3000/sqm.

May I just ask very directly where this uncertainty comes from. whether you can afford it? I mean, the plot is unbeatable cheap and the budget for a 120m² house is really generous with 300,000 plus 80,000 incidental construction costs. This can only blow up in your face if a pile foundation is required or a former Viking settlement is discovered underground... maybe it makes sense to have a soil survey done soon.

With >5,000 EUR/month household net income, you belong to the top 20%. Who should be able to take out a 250,000 EUR loan if not these top 20%? ;)

I can also understand the desire to repay as much as possible, but I would rather set the rate a little lower. Something can go wrong in life and then you sleep badly if the rate suddenly amounts to 50% (or more) of the net household income. I agreed on a rate of 1,300 EUR for my loan and whatever I can save additionally in the respective year, I do as a special repayment. I am allowed to pay in 5% of the total amount per year free of charge. Of course, on average I want to get to 1,600-1,800 EUR per month... but I don't necessarily have to, that's the difference.

I might make myself very unpopular... but you shouldn't go below 12m² for the children's rooms. Especially not with the motto "Ok one children's room 20m² and if a second one comes, then we'll just share it" ;)

I would very much like to answer your direct question. The uncertainty currently certainly has several reasons:

- So far I have not been able to gain any experience with building a house and everything that goes with it and am just beginning to learn here.
- The prices in all the model house catalogs vary quite a bit. Here there are providers with prices for 120 sqm who specify around 200k but also those who currently list 290k. There are also several others in between.
- Actually, what unsettles me are also the construction costs sometimes mentioned again and again in this forum (for example: under 3000€ per sqm is no longer feasible today!). Of course, I also ask myself whether these values also apply to modest requirements like we have. Due to the lack of experience, this is hard to assess.

The 80k ancillary construction costs were actually already mentioned by some construction types but it is certainly a question in detail of what they have included, e.g. kitchen, outdoor facilities, etc.

Thanks for the tips about the rate. I will definitely reconsider that again.

Here there are providers with prices for 120sqm, who state about 200k but also those who currently list 290k. There are also several others in between.

The 80k additional construction costs

Question, what they included in that, e.g. kitchen, outdoor facilities, etc.

And if you adjust the services to the expensive one (see construction service description), then his trend also goes into the 290,000€… or just before that. But I don’t want to jump the gun - there is a lot to read in the forum about what one should better do oneself.