Complete house purchase for the small budget

I believe that ideas of simple standard really vary a lot. Here in the forum, many simply build what I would call luxury and at most call it "upscale standard."

We renovated our house for comparatively little money. Others would have sunk 150,000 or more into the renovation; would have built an extension and polished everything to a high gloss, installed underfloor heating and who knows what. What did we do? We barely changed the floor plan, arranged ourselves perfectly with 100m2 of living space plus basement and outbuildings, we actually have ordinary sinks and toilets and fittings like we had in every rental apartment. We have normally sized windows, no underfloor heating, and only a normal gas heating system, which is almost 9 years old. We have laminate flooring, cheap interior doors, etc. And that’s totally fine because in this way we have only spent about €60,000 on renovation so far and I think we need another €10,000-15,000 and then everything will be as nice and new as we want it (currently still missing: new front door, basement plinth replastered with renovating plaster, 2 interior doors, 1 large skylight, new basement door, 3 new windows). We have low incidental costs, a nice garden, great neighbors, and a house that in the end was still affordable for us. Yes, it is just plain average and a terraced house, but we are completely satisfied with it. Everyone can build what they want and a new build, no matter how simple it is designed, costs its money. But I would not say that with a lot of discipline and low expectations you cannot also build "cheap" (cheap in today’s context; prices from 10 years ago can of course be forgotten, no matter how simple you build). If the OP says he is fine with simple rental apartment standard, then you should just believe him. That he will probably still not make it with the sums mentioned will now also dawn on him.

TE: To put it in clear numbers: We got an amazing deal on an existing house. We only paid €198,000 for the house. Additional purchase costs were about €25,000. So far, renovations have cost another €60,000, and another approximately €10-15,000 will be due soon (over the next 3 years, I estimate). So currently, we are at €297,000 with a lot of our own labor, once we have spent the €15,000 as well. What we still have on our radar are the things we have currently "left as is." That means the heating system (2010), the roof, and the facade, which were renewed in the early 90s but will eventually need to be addressed again. So a larger sum will be coming up for that, too. With your budget, I would rather look at existing properties. With new construction, you will be overstretched one way or another. We have similar numbers (a bit more), and it is really tight in the long run. Soon I will go back to work, then it won’t be a problem anymore. But for you, it would be a permanent situation, and I would not recommend it, even if a bank would certainly finance it. Think it over calmly and see what you might be able to snag in existing properties.

We have really drifted far from the OP

You don't really have no demands, or rather no demand below the standard.
Here they are talking about a low-budget house, but you are talking about roller shutters and underfloor heating. Who knows what else will be added?

Unfortunately, you did not address the question about an existing property that was asked to you in the first posts at all.

House 163K (105 sqm living space, 2 people), underfloor heating + roller shutters among other things already included

Without knowing what else is specifically included, that is still almost 1600 euros/sqm living space, so that 2000 euros/sqm as an indicator, regardless of regions, terrain, etc., is indeed very realistic and definitely a suitable value for initial rough calculations.

I am currently working on a project of a similar scale. I bought a shell construction (walls plus roof!) on a small plot and am now finishing it. I have a site manager with handyman contacts, it works very well, he always quickly has someone ready who accepts the job and knows who works well and relatively cheaply. The house has a floor area of 10.5 x 7m, 1.5 floors, 120m² floor area inside, and comes to about 100m² of living space. It should be enough for me and my two girls, each gets a room, otherwise no palace, clearly, but only manageable in this dimension for me as a single parent. "Luxury" is only the underfloor heating, otherwise nothing special. There will be no garage either. We have about (plenty) 100k€ budget for the finishing work. We calculated in advance what the completion would cost, most of it with concrete offers, and accordingly applied for the financing. The few estimated items usually turn out to be too low when the concrete offer comes in. In the end, I chose better windows, there will be a roof window added, the floor construction downstairs is more complex than expected... and bam, a few thousand are gone. I had some buffer anyway and some things were potential DIY, in case it gets more expensive elsewhere... and I estimate that this will really all be needed. Big fun, the previous owner even had a piece of concrete slab poured (for an extension) that is not approved at all. I am very curious to see what the dismantling will cost!!! That was an unpleasant surprise, I hadn't thought of something like that at all. Budget about 320k€, financing 300k€, all incidental building costs also paid from equity. My income is about 1000€ higher than yours. For me in this form the absolute limit, I wouldn't have taken out more (but probably would have easily gotten it from the bank!!!). I also have family support, if necessary, I can get financial help again (but I would only do that very reluctantly, only if the place otherwise wouldn't be finished). I completely furnished myself anew two years ago, including the kitchen, so there should be almost no new purchases for furniture. The bank wanted to see all equity proven, precisely so they can see if there is still a buffer. The directive was also clear: better say now if you need more, refinancing is really bad!! While reading along, I already got the impression that my project (in forum standards) is clearly in the "lower" segment. Maybe it helps Turmbauer.

So, yesterday was the selection appointment at Heinz von Heiden in Munich. It was great, just to start with. Also, the concerns some people here had regarding gross/net did not exist. The prices shown/named are final prices. I wrote here that you can get a better washbasin for a few euros, which was also somewhat critically commented on. But here’s an insight:

the first picture is the standard washbasin, there was also an alternative, a bit more rounded. The second picture is the chosen Keramag with an extra charge of €70. A small hand washbasin would have been about €50 extra compared to the standard (picture 3). Faucets by Ideal Standard in the standard version (picture 4), likewise the bathtub is standard. Here too, for (now I would have to lie) I think a mid double-digit amount, there was the option to choose a 180 cm instead of a 170 cm tub.

Finally, once again an overview of such a calculation. Here I really have to say, of the items that were already included in the contract beforehand, there were credits mainly due to optimization in the window area (the house seller apparently calculated the windows a bit differently than would have been possible). I found that really very positive, they didn’t have to do that as a house building company. TOP!

Regards