Existing property or construction financeable?

The company Allkauf Haus has its hand on many plots in the region.

LOL - they advertise with plots they don't even have. Please don't be misled.

How does the financing amount look for a prefabricated house? Do banks rate that significantly worse?

No. Same as for a "normal" house.

Is a loan of €350,000 (house and plot) plus €50,000 auxiliary construction costs feasible?

Do you get a complete house with garage, kitchen, outdoor facilities, etc. for the price? Let's deduct €100,000 for the plot (rural location), leaving €300,000 for the all-in house. That is quite manageable, but you don't want a villa anyway.

LOL - they advertise plots of land they don't even have. Please don't be fooled.

Haha, cool answer! I already suspected that because I read earlier while googling that these are probably bait offers.
Especially: the offered house is one and a half stories – but the new development area where the plot is supposedly located only allows two stories.

That really doesn't show any seriousness.
Let's keep looking for developers.
Since you apparently come from around here: do you know BauFormArt? They're currently offering a few designed houses with plots.
Serious?

We will calculate what equipment we still have to provide ourselves. But you already recognized it correctly. We want a really normal little house, nothing special. Just to feel comfortable, not a status symbol)

Since you apparently come from around here: do you know BauFormArt? They are currently offering a few planned houses with land. Serious?

Very serious. My old neighbors also built with them without any problems. Every day when I leave the house, I see one of their construction sites. You can go there, ask for references and look at inhabited houses (at least that was my understanding).

We declined the owners today. They were quite shocked by the low bank valuation. The problem is the real estate agent, who even assured them that the house was worth €450,000. The owners would also, I think, come down a bit on the price after a short consideration period, I have the feeling the agent is blocking that. But whatever, the matter is settled.

Who decides on the price? The owner or the agent? I would have made an offer to the owner according to the bank valuation.

Hello T,
Yes, you are of course right. And indirectly I did that too. I said we are still interested and if no sale happens in the near future, they should get back in touch. Maybe someone with [70000 Eigenkapital] will be found who can manage the loan.
These are inexperienced people and the broker is, if I may put it bluntly, a charismatic talker... Unfortunately, he has a lot of influence.

Hello nordanney,
Thank you for your assessment. You read so many negative experiences from recent years (the ones from the first years are positive). We will definitely have a conversation there after our vacation.

Best regards

Who decides on the price? The owner or the agent? I would have made an offer to the owner according to the bank valuation.

Agents operate according to the motto: Every day a fool gets up, you just have to find him! I think they have been quite successful with this in recent years.