Construction financing | Is the procedure good? Your opinion and tips

Who the children can be insured with depends, as far as I know, on who earns more. Simply "choosing" for one parent to be in private health insurance (PKV) and the children to "naturally" end up in the family insurance of the statutory health insurance (GKV) does not work, I thought.

As far as I know, who the children can be insured with depends on who earns more. Simply "choosing" that one parent is in the private health insurance (PKV), but the children "of course" end up in the family insurance of the statutory health insurance (GKV) does not work, I thought.

For civil servants, it is different again.

Maybe it's simply because of the area (which apparently has a strong southern influence here) - I don't care either, luckily we don't need that much and I'm not jealous of it.

Maybe it’s simply because of the region (it seems to be very southern-oriented here) - I don’t care either, luckily we don’t need that much and I’m not jealous of it.

Prices in the south, especially here in the commuter belt around Stuttgart, are just higher. At least when it comes to building. What really annoys me is that some federal states afford the luxury of waiving kindergarten fees even though they actually can’t afford it! And on the subject of groceries, etc., I don’t think they are cheaper in the northern parts of the country than down here in the south, or am I mistaken?

No, I don't really think so either - but who knows. Federal states do not waive fees, it's always the municipalities - that varies everywhere. Here it is relatively reasonable, considering what they take off your hands and offer.

In my circle, no one needs 1000 euros for food with two children either - my parents raised 5 children, what would they have paid back then?

How this will affect things in detail and whether one needs 700 € or 1000 € will surely become clear. Depending on the current situation, a saver may possibly have to be shut down and, if possible, used again at a later time.

, that’s also a good argument, but I didn’t want to start a food discussion here.

As you have already written, it certainly varies from state to state.

, you’re welcome to send me the list via PM if it’s not too much trouble.

I would also like to point out another topic that plays a big role in financing. Currently, most online mortgage calculators show me that a loan amount of 250,000 € would be okay with the monthly rate. But you said that this will probably be hard to achieve even without a basement. Are 25,000 € as own contribution realistic if you have 2 electricians, bricklayers, carpenters, and heating (water) installers in the family or circle of acquaintances and you yourself are also handy?

I plan to complete the house within 2 years since I’m not under time pressure and don’t have to move out of rented accommodation. So I always see the time as an advantage for own contribution. But is a realistic figure perhaps rather hard to say? You never really know who will ultimately help and who will really be there when it matters.