Buy now or wait a little longer?

On the first floor then 2 children's rooms and the master bedroom (they don't have to be 16 sqm either), as well as the main bathroom.

The nice thing about gable roof houses is that you have "less" real living space according to DIN, but additional space under 1.50 m height is available in the converted attic.

Hello everyone,
We have a plot of land in sight (for us it comes very close to our dream plot): . I’ll add some supplements here right away) and now we are asking ourselves the following:

To make the plot ready for construction, a higher capital investment is still required. We could cover the plot + incidental purchase costs from equity but would then have little to no capital left to pay for making the plot construction-ready.
The advantage of paying with own funds would be: we would have time to calmly plan the construction because we wouldn’t have to take out a loan for the plot + house construction.

My plan:
Payment of the plot
And then (savings rate is about 3,500-4,000 €/month) first to clear the plot from all the bushes (which probably costs more working time than money?), plan the house construction, and then when everything is clarified, take out a loan for the house construction including the connection costs / remaining plot preparation.

Does this fit or is another approach more advisable?

That sounds reasonable. The later you have to take out a loan, the better. The loan puts you under time pressure and costs money. I only finalized my construction financing for the interior work. Before that, everything was financed with equity.

In order to make the plot ready for construction, a higher capital investment is still required. We could cover the plot + incidental purchase costs from equity but then we would have little to no capital left to pay for making the plot construction-ready. The advantage of payment with equity would be: we would have time to plan the construction calmly because we wouldn’t have to take out a loan for the plot + house construction.

Good plan, because no interest. Property tax, on the other hand, is really negligible.

Also, later the plot will be considered as equity for the construction loan.

My plan:
Payment of the plot
And then (savings rate is 3,5-4000€/month) first clear the plot from all the brushwood (which probably costs more labor time than money?

With a savings rate of 4000€/month, after one year you would already have 48,000, which sounds pretty good.

I wouldn’t stress about the brushwood.

Our plot was completely overgrown with various shrubs. The civil engineer made short work of it.
(I don’t remember if it was a soil survey or surveying, for one of these we had to clear the approximately 1.5-meter-high grass, but most of the brushwood could remain. The civil engineer then took care of it.)

I would only be careful with trees. And with the timing: for us, the work was done outside the breeding and nesting season.

With trees and work during the breeding and nesting seasons, permits might be necessary.

Great, then it seems like a good plan to first blow through our equity.

The trees (two beeches about 30m tall) are actually still worrying us. The crowns definitely need to be removed, but probably the whole tree as well. That will not only be expensive but also something that might be urgent. Here, you are only allowed to approach the trees until the end of March.
However, we also hope that there might still be a possibility to leave the trees standing. They are still healthy and located rather at the edge of the property. We'll see.

That sounds reasonable. The later you have to take out a loan, the better. The loan puts you under time pressure and costs money. I only finalized my construction financing for the interior finishing. Everything before was covered with equity.

Ultimately, it is a question of the interest rate and the return from the equity. In the meantime, loan interest rates were significantly lower than the average capital returns. It is lucrative to build with borrowed money and keep your own capital invested.