Evaluation of Construction Project / Credit Offer

No. From €15K it has become €30K at KFW 40+. Anyone who now builds worse than KFW 40 (€26,000) has a screw loose - or definitely wants to build monolithically, which will probably be difficult or thick.

Additionally, we are bringing in a very expensive grill hut, which is currently located at another site but will be taken along; the pure material cost of the wood and especially the grill equipment was around €15,000 three years ago.

Which bank recognized the barbecue hut for you?? That's like an expensive wristwatch: private enjoyment.

HelpHelp if you don't have any arguments first you accuse something and then leave the thread. Or simply surprised that 5,200 net is 137,000 gross?

Of course, the thoughts are still somewhat naive and of course it will be 20,000-30,000 euros more expensive than currently planned, but we all went through these stages when building a house. Besides, no one has to have a garden laid out for 20,000 euros immediately. That can also grow over time. I'll just assume that the OP manages to set aside several tens of thousands of euros as additional equity in the approximately 2 years until the house is completed. I think 50,000 euros is no problem. We have also set aside an additional 25,000 in one year to be able to pay for unforeseen expenses, buffer, and furnishing. Even after the construction and with a burden of about 1,700 euros, I still see enough savings potential with you. However, we also paid 2,250 euros per sqm for our house in BW. 1,900 also seems cheap to me.

That's exactly the crux of the matter. Anyone who leads a relatively extravagant lifestyle will not be forced to give it up overnight just because they have to repay a mortgage loan.