Enough equity? Will we even get a loan?

Absolutely and no problem at all. No envy either - we ourselves will still take the A13 until retirement. I just wanted to point out that this pay-off-until-retirement thing is nice, but actually absolutely not necessary. That should be especially clear to you, who insisted so much on your individual situation.

No, our loan is not nearly enough until retirement. But it wouldn’t have been a problem if it had been. That’s what it’s about. But I can already see, here comes the wisdom with the big spoon again – that’s enough off-topic. I simply have a different opinion than you.

Everything looks a bit similar to what we have.

I also think it’s quite doable.

It also already comes across that you know how to save. You’re doing everything well!

Set the house price more towards 350k, if that’s even enough... At the beginning, we also dealt with prefabricated houses like Schwörerhaus, Weberhaus, Hanse Haus, Haas etc., had 130-140m² houses and all in all we never came under 400k! So definitely be careful there. The follow-up costs with prefab house providers are also significantly higher. With a double garage I think even 350k is hard to achieve. However, my quotes are based in Baden-Württemberg, where everything is naturally a bit more expensive.

I would rather budget 15k for the kitchen instead of 10k. Don’t forget the outdoor facilities! With a bit of your own work you will quickly be at 10-15k there as well. Don’t forget the general additional construction costs. For a single-family house these are quickly around 50k. You didn’t list those in your post.

I would definitely put aside around 10-15k of the 50k equity for unforeseen expenses and for the future.

If you can pay for the land in cash, then do that. We got a variable interest rate of 0.82% for 1 year and according to the bank’s calculation, we have interest costs of just under 800€ for 1 year. Which is really okay. Then the question would be whether you save that money for your house loan to get better interest rates? It’s basically a calculation and hard to say in advance, you’ll have to talk to the bank.

I would save the money for the furniture during the interest-only year at the beginning. You are already putting away 1500€ now --> x about 12 months makes 18,000€. So you will have quite a bit saved up.

1,200€ repayment could be realistic, we are currently at just under 1,600€, but we also have a bit more loan set, which could still come up for you depending on house costs. So 1,200€ could be tight. It should be paid off by retirement age, for us it works very well with 1,600€ and just under 2.3% repayment. But you would need to discuss that with the bank.

Ah, I completely forgot: Are you building with a basement or without? That might mean the house costs are not as high as I estimated.

Regardless of the original question: Please definitely adjust the disability insurance or BU, 7,- anyway can’t be right... even as an industrial clerk never, unless you insured a 100 euro pension (which doesn’t work as there are minimum amounts...). Your ER has none?

Mid 20s, with the income about 1200-1500 pension to insure = for her about 40-50 EUR/month, for him rather about 60-70...

It’s secondary here, but when buying/building a house, the ability to work should be insured just like death...

Due to various pre-existing conditions, we both have a disability insurance that only has three health questions; all other insurers would not have accepted us. He pays about €50 per month, I pay about €30. The pension would then only be €750, which is clearly low, but better than nothing! And that without exclusions. We are with Volkswohl Bund.