Feasibility Single-family house + land 400,000 €

Buffers of 30,000 were calculated and then eventual items are also covered, including sockets. With 40,000, the incidental construction costs are also above average. At least they are above the necessary incidental construction costs in the cheap building land Lower Saxony. Whether that is enough in BY, no idea. Nevertheless: There is no kitchen, there are no floor coverings in this calculation. There are no painting works. There are quite a few things missing, but you can cover them with the buffer. For Bookstar there are not even people earning less than 100,000. He probably doesn't even see them. So, much is feasible, but not this calculation, where quite a bit is already missing. You can't ignore that. Outdoor facilities (splash protection is necessary, terrace too! Driveway and carport not. Kitchen is necessary! Painting work and floor coverings too! If there is short-time work because of Corona, you can take a rope, if the neighbor wants the fence, so your duty to sue, too. And then the question: where to get a plot within the limit of 130,000? What do you do if the soil survey requires an extra charge of 15,000-20,000?

Short-time work does not affect me as a civil servant, so the financial side is secured. The same applies to my wife.

The plot of land at 130,000 including ENK is purely an estimate. If we are lucky, we might even get a cheaper one. But with bad luck, no plot at all or a more expensive one (then the project would be dead anyway).

Kitchen, furniture, etc... we already have everything in our rented apartment, which we only moved into after completion two years ago. So the kitchen and furniture are virtually new. All of that will come with us into the house, so I see the acquisition costs here as rather low.

We are satisfied with the absolute standard. No moving walls, no more expensive bathtub, tiles from the standard program, etc.... I have still calculated the buffer with 30,000, even though I do not intend to make special requests and thus cause additional costs.

If we get the plot we have in mind, the 40k incidental building costs are also quite high. The plot is already fully developed and absolutely flat. On the left and right are already developed plots, for which there are no peculiarities according to the appraisal.

I will do the terrace and carport myself just like the floors and wallpapering. Here only the material costs will "merely" occur.

Kurzarbeit does not affect me as a civil servant, so the financial side is secured. The same applies to my wife.

The plot with 130,000 including ENK is a pure estimate. If we’re lucky, we might even get a cheaper one. With bad luck, however, none at all or one that is more expensive (then the project would be dead anyway).

Kitchen, furniture, etc... we already have everything in our rental apartment, which we only moved into after construction two years ago. So the kitchen and furniture are practically new. All of that will come along into the house, so I see the acquisition costs here rather low.

We are satisfied with the absolute standard. No moving walls, no more expensive bathtub, tiles from the standard program, etc.... I still calculated the buffer with 30,000, although I do not intend to make special requests and thereby cause additional costs.

If we get the plot we have in mind, the 40k additional construction costs are also quite high. The plot is already fully developed and absolutely flat. On the left and right are already built plots where the expert reports show no abnormalities.

I will do the terrace and carport as own work, just like floors and wallpapering. Here, then, "only" the material costs will be incurred.

I am grateful to you for the honest and direct answers. And I also know that you are right. After consulting with the bank, I can now say that 450k is available for the project. Based on about 130 sqm house in standard design with some buffer for about the things that Zaba12 mentioned, do you think this is realistic?

Standard means,
- no chimney for a fireplace
- no empty conduits for additional installations like photovoltaics or outdoor lamps
- possibly no outdoor water tap
- strap winder
- possibly an air-water heat pump at extra cost
- 50 sockets
- tiles for €25 as RRP in 30x30cm
- white windows and a plastic door that looks like it’s from a hardware store
- same with sanitary fittings
- too few windows
- no pedestal