Construction costs for the shell structure - turnkey Kreis Wesel

Land costs are 52k for 350 sqm. It's a semi-detached house on a total of 700 sqm. So even cheaper than 60k.

Including purchase incidental costs?
In house construction, you calculate in steps of 10k, everything else is noise.

But I just say that you can build a house for that price. Whether you can manage that with your income, I dare to doubt. 4,500 EUR in 2025, that's 3,500 EUR in 2019. Won't be enough.

Land costs are 52k for 350sqm. It is then a semi-detached house on a total of 700sqm. So even cheaper than 60k

What is stopping you from accepting the offer?
The longer you linger on your question here, the greater the chance for someone else to grab the house before you.

why are 295k for a local BU without additional costs, without special requests or other items (so pure house price only brick-clad) unrealistic?

Because just the brick alone significantly increases the price. And there is no one in this region who builds for this price - without incidental building costs etc. I live and work in this area.

Why don’t you finally stop telling everyone that 3,000 EUR/m² for parquet, designer bathrooms, and Q4 walls from the painter are the minimum standard? Is your commission really doing that badly?

I get a fixed salary.

With a "designer bathroom" (whatever that is) and Q4, clinker etc., you won't get by here on the Lower Rhine in the catchment area of D/Ruhr area with 3k either. There you only stay below with Town & Country or similar.

And what if you have no special requests?

... you have to hope that the missing items in the construction service description don’t become too expensive. Oh yes, clinker bricks cost a five-figure surcharge at Town & Country. Actually, everyone who posts relatively current prices here - also with Town & Country or similar - confirms that it really is just a starting price that no one manages to pay in the end.

why are then 295k for a local BU without additional costs, without special requests or other items (so pure house price just brick-clad) unrealistic? Are we talking past each other?

Thinking from the other side: 1. Building a house financing on a calculation that assumes the optimum at every step is shaky. No problem if you can add more money, bad if you run out of financial breathing space during construction. Here I see a considerable risk. 2. Pay attention to the fine print in the fixed price. Especially for efforts regarding earthworks up to the base plate, which are hard to estimate, there are clauses that shift partial risks to the buyer. This quickly amounts to five-figure sums. 3. Whoever calculates very tightly must be very disciplined down to the smallest detail. For floor coverings, every €/sqm counts, and then you sit there thinking "wow, that looks awful, that one is so much nicer and we want to live with it for a long time..." Suddenly the floor covering costs four digits more. And don't believe that this question only comes up once. 4. Without outdoor facilities – we did the same with our terraced house in 2001, only a paved 3x1 pathway to the front door helped keep the worst dirt out (move-in in September, a two-year-old and a newborn = stroller). The joy about the house could compensate for the dirt problem for a while, but then... I am not a financing professional, I have the experience that you can go bankrupt (twice) and also how to get out of it again. Failure is no shame, but dealing with the consequences requires much effort and deprivation. I would not be afraid to approach the project like you. I would never advise you to do so, that would be irresponsible.