Construction project and building permit feasible?

No, she hasn’t. I will ask again in due time. She casually mentioned 250,000. But yes, those were just words. And with a rate of 900/1000 euros and no residual debt after 30 years. For example, I definitely don’t see 500,000 with us, not even in x years.

Away from the money topic! What are your criteria when searching for land? 30km from both workplaces or from the current residence? 5km to the mother-in-law? Train connection, shopping, bakery? Write that down as detailed as possible? Not for me even though I’m interested, but for you! For example, I had to explain to my wife in clear terms that if she wants to build in the next 1-10 years, we can’t find a plot of land within 2-3km of the old apartment. It wasn’t easy. But eventually it got through.

What might still be relevant for the financing, (warning, it gets intimate, if you’re uncomfortable, just don’t respond) you always write "your" children, but that is not entirely clear in your partnership. Is there a father from a previous relationship? Then matters such as division – custody become an important issue, e.g. for the Baukindergeld, since separated parents cannot arbitrarily apply for their own Baukindergeld for the same children. Issues like maintenance payments also play a major role in the loan.

The critical questioning and assessment of your building project here in the forum is not meant negatively; there have recently been many similar inquiries where at least one partner was still studying or very young. Everyone was advised for similar reasons to wait a bit longer? I mean, you have 2 children (how old actually) at 26, let’s be honest, success in your studies is not necessarily guaranteed (I say this as a father of two, I know a bit how this goes).

Fine and dandy: do now what you can do now, i.e. save equity, keep an eye on the land market and finish your studies quickly. What exactly do you study as a nurse, if I may ask? Was this profession a transitional solution until your Abitur grade is good enough for the medicine NC? I ask because various career paths follow from the studies, possibly extremely time-consuming but only moderately lucrative.

During this time, construction costs continue to rise, meaning worst case you will need more money year by year than you can save in equity during that time. Eventually, the realization will dawn that you are better off in a rental situation or in the area of properties in need of renovation than in new construction.

What could still be relevant for financing, (warning, it gets intimate, if it doesn’t fit, just don’t reply) you always write "your" children, but that is not quite clear in your partnership. Is there a father from a previous relationship? Then matters like division - custody are an important topic, e.g. for the Baukindergeld, since separated parents cannot arbitrarily apply for their own Baukindergeld for the same children. Issues such as maintenance payments also play a big role in the loan.

The critical questioning and evaluation of your construction project here in the forum is not meant negatively, there have recently been many similar requests here, in which at least one partner was still studying or very young. Everyone was advised for similar reasons to wait a little longer? I mean, you have 2 children (how old actually) at 26, let’s be honest, even academic success is not necessarily guaranteed (I say this as a father of two, I know a bit how this goes).

Fine and well: do now what you can do now, i.e. save equity, keep an eye on the land market, and finish your studies quickly. What does one study as a nurse, if I may ask? Was the profession a temporary solution until the high school grade is sufficient for the medical NC? I ask because various career paths follow the studies, which can be extremely time-consuming but only moderately lucrative.

During this time, construction costs will continue to rise, meaning worst case you will need more money each year than you can save as equity during that time. Eventually the realization will dawn that you are better off in a rental situation or in the area of renovation-needing existing properties than in new construction.

No, these questions you ask are absolutely legitimate! I mean a different manner.

The children were conceived by sperm donation during our "marriage". My wife has already legally adopted both children.

The two children are 1 and 2 years old. I started the first semester with settling in, and the baby came along to university. I managed the 2nd semester despite failed settling in with almost a toddler in lectures and a toddler in daycare and started a 5-hour per week job. My average grade is 1.3.

With children, something unexpected can always happen, you are completely right about that! But both are now going to daycare and I am curious about the first semester without guaranteed childcare. I hope they are not too often sick.

Yes, nursing was intended as a transition to medicine. After the training and family, I only see a job that is absolutely incompatible with that (doctor).

I am studying management in healthcare. I will never earn like in the private sector. But I have several jobs in mind with at least somewhat better pay and without shifts.

I will watch the market closely.

Rental is definitely not an option.

I would probably do it the same way: keep saving for now, look around, and when the time is right, strike. In particular, I would keep an eye on [Bestand]. However, the top priority is: save, save, save, because at least the additional purchase costs should be covered by yourselves. I think your situation is okay. The outlook will get better, and if you have a bit more patience, it will work out – of course, you have to be clear that you will need to tighten your belt for several years. With 2-3 children, it’s always tight, that’s clear, and saving is even more difficult then. But you will have to endure the current rental apartment for a while longer. You have to try to see that positively somehow until then, otherwise every month will drag on like rubber. The critical point for you is really the lack of equity. Apparently, you can manage your jobs well regarding re-entry and parental leave, and you will know your numbers. By the way, I know intensive care nurses, and they actually earn quite good money and are warmly welcomed everywhere, and that won’t change anytime soon.
Also remember to secure yourselves well (e.g., [BU] etc.). Don’t make any rushed decisions, calculate carefully, stay realistic. I think you are on a good planning path.

I have an "impossible" house. Interior floor area 120m², minus walls, the HAR, and the stairwell at the top – leaving 100m² of usable space. There is a living room, kitchen, three rooms, WC, and bathroom. Knee wall at the top about 1.3m, 45° gable roof, attic at standing height as storage space.

There are three of us, and the whole thing is planned for that – my two girls and me. The children's rooms are 14 and 12.5m², I myself have about 11m². A "real" double bed with 2m width really doesn't fit in there, but I don't need that anyway. Bathroom 10m² and kitchen 14m², absolutely fine, the living room could certainly be bigger (22m²). There is the sofa-TV corner and also a large table that is used daily for crafting, painting, puzzling, etc., and when the whole family shows up, we all eat there sometimes as well. The plot is small, but I don’t want to run a farm.

Compared to the previous three-room panel apartment with 70m², it is an immense improvement! The children enjoy their own rooms, I’m happy you can move freely in the kitchen, my room is only slightly bigger but much more pleasantly laid out, and the bathroom is pure luxury compared to the previous 1.6x1.7m² internal wet cell. Only the living room is about the same as before, just better equipped with windows (I would actually have liked that to be a bit more spacious). But many here will certainly say that you can’t live like this because everything is way too cramped...

Well, you have improved from your apartment, Altai. Usually, this is one of the main reasons, and thus the purpose of the exercise "buying/building a house."

The OP would, however, significantly worsen in terms of size and function in everyday life because the differences between his previous 130 m2 apartment and a nominally equally sized house are not initially apparent to him. The big awakening would then only come when moving in.