Buy land first, then build - experiences / tips?

There is nothing against that. The only thing against it is putting yourself in a position where you HAVE to take out a huge loan (usually the significantly larger portion compared to the property financing) from a certain bank. That is simply a terrible negotiating position. Who knows which bank is actually the cheapest – having made the wrong decision can easily more than negate the advantage of an earlier (partial) conclusion. But I also don’t trust my bank, especially not a lending bank. But I don’t have to, after all, I get the money from them first and have to pay it back to them. The other way around, trust would be more necessary.

Just to clarify briefly: You earn 4.1k net as an IT system electronics technician?

Hello, so variable is fixed, it's a maximum of only 2 years and then the best bank will be calmly searched for

Our total income is about 4500 euros. How it is divided, I do not want to disclose here, one thing is certain, I work in the public sector and the 4500 euros are secure.....

Regards

Hello Steven, I don’t see it that way! You have to look at it this way, everything should be finished in 2 years! Maybe 2.5 years, the bank itself will of course be sought and negotiated as soon as a building application is submitted. Soon we will have the land and then we will start planning, then I will also know exactly what I need to take out, I think your version is fatal, but well, one can have a different opinion.... Why don’t you suggest how you would do it or have done it?

Because the bank of course knows itself that it is registered in the land register and that therefore an "expensive" offer for the creditor is still cheaper under total costs. A land charge must be registered (for a fee), deregistered (for a fee), prepayment?

Our variable loan runs at 2.05% without a land charge. Why should I start with these trifles? 3 months' notice period and that's it. Just the allocation of the land charge fees already amounts to quite a bit.

The OP does not want to have a reserve plot and maybe build sometime in the future. Instead, he wants to build promptly, but wants/must/can secure a plot immediately and then continue with the building planning.