Finance buying land or rather leave it?

For this reason, I am even considering somehow including the two mini savings plans that we both have for the preliminary services into the property financing. Whether that would have any effect, I do not know exactly yet, but I want to look into it and also talk to the advisor from the bank and an intermediary about it.

Maybe just let them continue. It will then be a small buffer in case the money runs out before the house is finished. If that hopefully is not necessary, you can use it for the outdoor facilities or years later for something nice like a patio roof, photovoltaics, or whatever. I would first put all the money into the property. The entire property (or the part paid off by then) will later be included in the calculation of the equity ratio. So if the property costs 80k now and is paid off by the start of construction and then maybe even worth 120k, then these 120k plus the money still saved then will form your equity.

I still tend to fix the loan for 5 years to get the lower interest rate

Get some offers made to you. I would always prioritize flexibility higher if it doesn’t cost much. Especially with regard to family planning. Waiting 5 years now, then building (1-2 years) and then having children can take quite a while. 5 years is a long time, especially at your age

If every euro counts, I might consider investing the entire equity capital of 40,000 now and then saving up again. Where else can you get a guaranteed 4% return after taxes?

Since a civil servant is almost bound to limitless self-sacrifice to their employer, for example, they can relatively easily be reassigned to other tasks or transferred to another city... I doubt that home office is anything more than "good will."

If it is not stated in the contract or if one is "UNRAST" keyed, then in case of doubt, one has no claim to it.

And then comes into play what I advise everyone who is considering doubling or tripling their commute by moving:
You commute to work about 220 days a year, in all weather, even with a full closure of the highway, during holiday traffic... you might visit the grandparents maybe twice a month, even if they live only a few kilometers away.

People always imagine it nicely, but if you are only 24, the parents are still fully employed and therefore have little time. And with 1-2 children and a house with a garden, you hardly have any time either.

I also consider the wife's 30-hour part-time job, with 2 small children, house, garden, and possibly commuting, to be quite exaggerated.

I would also consider commuting annoying in the long run. But regarding transfers, it depends on whether you are a federal, state, or municipal official. The latter is sure that they do not have to undergo a transfer over a large area. The state official is often assigned close to home as well, but as a federal official, it is quite difficult to plan that precisely. Because theoretically, you can be transferred anywhere in Germany.

Get some offers

Yes, we will do that and then compare. I'm already curious how big the difference between the interest rates will be.