Construction financing through the sale of a condominium

One must also consider that on my side I contribute/cede the plot of land (good location), for which I somehow need to be "compensated" when selling the condo. Or am I thinking wrong?

I think you are not wrong there, but rather the other posters. The price of the apartment is not solely determined by its construction costs, but also by the possible co-ownership of the land, exclusive usage rights in the garden, ancillary facilities, and ultimately location, location, and location again. Your land cannot be that bad in this regard ;)

It would certainly be really worthwhile to build on the land to the maximum extent or, if it fits in the street, to sell it so that someone can build their palace on it (or maximize building on it themselves).

My calculator says the property alone is worth €1.32 million. Well, holy moly.

You should definitely think a bit more about it. What do I want, what can I do?

With a WEG (which is forever) you also sell the land via the MEA (co-ownership share). Added to that is the apartment/semi-detached house itself. So you need a buyer who can spend about €1 million for both together. Even in BY, except Munich, that’s tight. And all that for only 80 sqm (or even 120).

Besides, who wants to live next to such a neighbor in a WEG? I believe in the end neither side wants that.

And with that land value, building under the permissible plot ratio/floor area ratio is already money thrown away.

Roughly speaking, I see 3 options.
1. Sell completely, and design another life plan
2. Build with the allowed floor area ratio and pay off the loan through renting out
3. Divide realistically, for €660k you can already get a nice house

Each of these options has its pros and cons.

And then there is the Munich variant: You sell a portion of the land to a developer and keep the proportional MEA for 1 or 2 apartments. The developer divides and builds. And you get 1 apartment and some money or 2 apartments in the condominium complex. The advantage is that you don't need a bank. The developer takes care of everything. But calculate carefully. The land value already belongs to you. And the division is done by the developer anyway.

I also don't think you're wrong.... especially in Bavaria, this is done very often.....

I think the idea with the [Bauträger] is pretty good, they would basically buy the entire property from you, build on it, and then you get your "share" back, for example in the form of an apartment..... but it probably only really makes sense if you build a multi-family house or a triple.

But not the entire property, otherwise you have to pay real estate transfer tax on the portion of the buildings and MEA. Therefore, keep the MEA of the semi-detached house (Whg).

Furthermore, large differences in land prices depending on the allowable floor area ratio are likely from a certain size. So get informed or go straight to the expert committee. And currently no one is selling at the standard land value. Absurd surcharges are demanded and probably paid.

Yes, 3 to 4 grand also occurred to me. It depends a bit on how many parking spaces are necessary (underground garage)?

And always take it easy with the young horses before you step naively into the shark tank and get outsmarted.