Buy now or wait a little longer?

There has not been any mention of a "prefabricated" house here yet. I suggested a semi-detached house from a property developer project. These are usually and here serially built "brick by brick" and still (to a small extent) influenceable in the planning. An individual design would require a plot of land without a property developer.

Thank you, that is how I understood it as well. The discussion above was only about whether it has to be a custom-designed house. That is what I was referring to. We would first like to try to avoid a semi-detached house.

A plot of land without a property developer is offered quite frequently here. So something should be found. It seems we can also use the waiting time for the perfect plot through our financial situation :)

We also noticed that our idea (5-6 rooms, without major frills like dressing room, large hallways or master bathroom) is rarely found in 160sqm.

That's exactly what we implemented in 156sqm. No pantry, no dressing room, master bathroom or gallery, etc. Easily doable without feeling cramped. Efficient planning (or having it planned) makes it possible.

I can well understand your wish to "get it done in one go" and generate the final solution right away. However, the considerations of the previous speakers are indeed a good alternative.

By the way, respect that you five manage quite well without car(s).

Take a look at what the consultant says and please report back.

What is a probationary civil servant? A job at the ministry with that net salary? Just out of curiosity :-) Total costs for the property are easily seven figures. I consider that difficult with the HEK and loan amount, but not impossible

We have an appointment with a financial advisor on Monday.

Great, hopefully he will shed some light on the matter.

We don’t have a car

Mobility is not just about having a car, but also includes working bicycles and public transport costs. If you want to build, your situation might change.

The insurances are included in the rent (household contents

That distorts the costs. I would also...

The other insurances are listed. Thanks for the hint though. Sometimes you overlook something.

... include other insurances that will come up later, e.g. building and liability insurance, possibly supplementary health insurance, at least for a calculation so that in the end you see what financing is left.

What is a civil servant on probation? A job at a ministry with that net salary? Just out of curiosity :)

That should be A13 with allowances for three children and tax class 3.

It also does not correspond to reality that probationary civil servants can get financing so easily. I really know many civil servants, and none of them have managed it.

I work for a real estate financier and additionally we cooperate with several hundred local banks. Yes, it is easy – except when the financing requests do not match the income. But that then has nothing to do with the probationary status.