Can I afford to build a single-family house?

So we have 270 excluding [Grundstück] used: 150 sqm with few extras. I would already calculate 250, depending on the region.
In addition to the actual annuity, the incidental costs, reserves must of course also be taken into account. And everything else that comes along, which you previously did not know you would ever need or were sure you did not need. Or the typical "we'll do that later from the current income" – there is then no leeway for you.
So you would have to absolutely honestly and realistically calculate everything and you would have to be very disciplined and remain so. I would go for a very long term and low rate. And good protection, [BUV], accident insurance...
Doable but already tight, I would say.

We’re probably talking about a house without any frills? Without controlled residential ventilation, without external venetian blinds, without roller shutters, without tinted windows, without clay roof tiles, without aluminum front door, without a second shower, without lime-cement plaster, without without without. With simple 20,- euro tiles, with agglomerate marble window sills, with Ideal Standard toilets, with window rebate ventilators, gas heating...Yes? Something like that? If yes, then that works for 230 with all connections and additional costs. - Yes, that’s the case. Karsten

No, that won’t work, he is from Bavaria. No chance. With the 230 you’ll have the shell standing and the roof on. Maybe even some windows installed. That’s it. With the remaining 100 - 150 you can make it move-in ready.

Hi,

First of all, I would like to thank you very much for your assessment! Great!

I will now obtain a few quotes for the different trades (Rohbau, Dach, Putz, Dämmung Elektro, Sanitär).

Best regards

Birdie

Instead of individual trades, I rather see a general contractor construction very close to the catalog model. Then you also have warranty for what you get for the planned money, because there will probably be no buffer.