Construction financing: sensible or nonsense?

I never would have thought that furniture / furnishings could cost so much....
for us it was about
€19,000 kitchen + pantry,
€2,000 washing machine + dryer,
€3,500 wardrobe (carpenter)
€7,000 dressing room (16 sqm room, closets fitted to the slanted ceiling - carpenter)
€4,000 sofa
€7,000 living room wall unit (oak)
€1,500 kitchen utensils (cutlery, glasses, cups, Tupperware (OMG... so much Tupperware)
€5,000 everything at once for the baby
€2,000 curtains
€1,500 workbench
+ tons of small stuff

Of course, it can also be done much cheaper!!!
But I don't think we bought VERY expensive furniture (except for the dressing room + living room wall unit)

Well... I would definitely say these are very expensive items. The kitchen is quite a lot, although I would say that with your own house you of course want to fulfill your own wishes, and then you can easily end up at €15-20k.
But then it really starts... personally, I have a washing machine (for max. 7 kg) for €400 including programs for hand wash, wool, etc., and various settings like how long it should run or when it should be finished, etc., and with A+++... I don't see why anyone should spend significantly more for that.
I would have rather built the wardrobe and dressing room myself instead of spending so much money on it... you also don't have to spend €5,000 for the baby, etc., but that doesn't help anyone here... you have to assess for yourself what you actually need/want to buy new and what it can/should cost.

The 15 years were just an estimate. Since you stated the age as 35, I assumed that you moved out of your parents' house 10-15 years ago.

The 15 years were just an estimate. Since you indicated your age as 35, I assumed that you moved out of your parents' house 10-15 years ago.

And even if you moved out 15 years ago – what is that supposed to mean? Take the student single in a big city with expensive rents. Do they have the space and money for expensive furniture? And would that be enough to fill a house? I know people who are happy with their 35 sqm apartment in Munich. Sure, they would like to have more space, but even for two full earners, (cheap!) 17€ per sqm is not the bargain where you would quickly afford 100 sqm – if you even find something at that price AND it’s still available. Then there’s the fact that you might not want to stay in Munich forever and wait first. Suddenly you are in your early to mid-30s, have a two-seater couch and a 140 cm bed and a kitchenette 1.5 meters long, so when moving into a house maybe you only have the furniture for the guest room and nothing else.

I understand that there are also non-students in cheaper areas who afford great furniture in large apartments in their early 20s. But you are acting as if it were extraordinary (in the worst sense) to have to buy so much by your mid-30s. I find that – with all due respect – idiotic.

as if it were extraordinary (in the worst sense) to have to buy so much in your mid-30s.

I actually find it at least unusual to buy real furniture for the first time in your mid-30s. Because even the penniless 20-year-old student usually isn't just starting their career in their mid-30s.

That you want to buy something different/new, sure. That one or another studies for more than 5 > 10 years, okay, that also happens, I actually know such an extreme case. We also know that Munich is very expensive. But it is certainly not the rule to move into the "final stop house" with "nothing" in your mid-30s.

We are currently assuming 18 months for the construction period. If it takes longer, it will take longer. For the construction times, I referred to my future father-in-law in Spee. He has already built several houses. Roughly every day after work (4:30 pm) until 9/10 pm. On weekends, correspondingly earlier. Pick one day a week when you do nothing, but really nothing except lying on the sofa.

Glad you see it so relaxed. Both my architect and my financial advisor said that the biggest problems are self-made *subtle hint*, i.e. the double burden combined with a small budget and little time together do not always but more often than you’d like after a little research lead to separation.

You’ll say now, that won’t happen to us and what are 18 months anyway. But I can tell you, just google a bit “separation and house construction.” After that, you’ll handle your rose-colored cloud a bit more carefully.

Regarding the savings rate, it should be said: I don’t know where you think you live frugally. It’s exactly the opposite! Out of €3,700, you blow €2,500 and that’s just the two of you. I, including €900 rent and all expenses, don’t spend even €2,200 per month for a family of four. So we save. You live and spend money that will be missing in the end!

I think we’re drifting a bit. I didn’t want to open a topic to "argue" about furniture.
About us: we will take some furniture with us and not buy everything new. Therefore, I did not rate the furniture aspect as highly as some here do.

Nice that you see it so casually. Both my architect and my financial advisor said that the biggest problems are self-made *hint hint*, i.e. the double burden combined with a low budget and little shared time do not always but more often than you would like after a little research lead to separation.

You will say now, that won’t happen to us and what are 18 months anyway. But I can tell you, google a bit for "separation and house construction." After that, you will handle your rose-colored cloud more cautiously.

Regarding saving rate, I would say: I don’t know where you believe you live frugally. It’s exactly the opposite! Of €3700 you blow €2500 and that just the two of you. Including rent of €900 and all expenses for a family of four I don’t spend €2200 per month. So we save. You live and spend money that will be missing somewhere down the line!

Sorry, but the discussion is really pointless. Especially since you don’t even quote me fully. I also wrote that it’s rather difficult to predict times in advance. This is just the rough plan.
And of course, separations happen during the construction period. I think that often happens because in false hopes, a relationship that is already intact anyway, a everything-will-be-okay-when-the-house-is-built kind of relationship is built. It can also be different, I don’t know, I was never in that situation. I would never speculate about it and certainly wouldn’t let an architect tell me such things.
Also frankly, I don’t know why the relationship between my girlfriend and me is being brought into play here... incomprehensible.

With the targeted construction time I just wanted to say that we are not stressed. The reason for this is the NON-existent double burden that you mentioned.
Regarding living frugally:
we live frugally. We wouldn’t have just saved €30k in equity + the €1200 that we put aside monthly into another account for nothing. These €1200 are meant to help us get used to the burden and at the same time to save another buffer. As I already wrote, we don’t blow the rest of our income either, so I don’t know how you come to the conclusion that we spend €2500 monthly.
Anyway. I just wanted an assessment and am grateful for any hint.