Financial planning for new construction with good income and little equity

It is no longer about Town & Country House,

That is already clear.

The one with the portal ID, I'm confused, what does that mean?

Every exposé has an ID, a number…

this offer for semi-detached houses in RP.

… but I already found it, if it is the one from Mrs. Ewa “Silver”.
Check the construction service description, often it reads nicer than it actually is. You will have to itemize the electrical work. And the kitchen comes on top of that.

They are already under construction, right?

That is clear.

Every exposé has an ID, a number…

… but I already found it, if it is the one from Mrs. Ewa "Silber".
Check the construction service description, often it sounds better than it is. You will have to upgrade the electrical system. And the kitchen is on top.

They are already under construction, right?

Exactly, Mrs. "Silber".
The construction service description will be checked thoroughly, that is for sure. What do you mean by upgrading the electrical system? The kitchen is clear.

Exactly, Mrs. "Silber."
The construction performance description will be checked thoroughly, that much is certain. What do you think there is to include in the electrical system? The kitchen is clear.

More power outlets! Maybe also a two-way switch at the marital bed for the light, a circuit for outdoor lighting, a dimmer above the dining table. Cables in the garage for later retrofitting.
I am currently looking at the middle terraced houses. I find them almost even more interesting because they are wider. The semi-detached houses don’t have side exterior windows anyway. It’s basically semi-detached with a southwest orientation versus middle terraced house with a more generous floor plan.
Which semi-detached house number do you have in mind?
I’ll take another look this evening.

Cool, thanks! House 2 is currently interesting. According to the construction service description, outdoor lighting, light/power outlet in the garage, and preparation for [Wallbox] are also included.

Do you seriously prefer living in a mid-terrace house where your two neighbors sit 3 meters away on the terrace, privacy screen or not, instead of a detached single-family house with basic equipment and a bit of your own work on walls, floors, and outside?

It can work out well if the neighbors become best friends. But it can also go really wrong if the neighbor grills with coal every day or expects children to play loudly in the garden for only 30 minutes a day.

Don't forget. Whoever gives you advice here might be childless and therefore have no idea about such problems...

One must be clear that this is a division according to WEG.
The slogan „[Here you become part of a newly forming community]“ is to be taken literally.
It is like a condominium with special use rights. There will be an owners' meeting once a year, where it is decided who removes the weeds on the playground.
There is sod, a hedge, and even „a tree“. It is possible that a design framework prohibits and forbids further individual plantings that could affect the public appearance. This also applies to visually relevant details, such as carport color, garage door, or the trash containers. This will certainly be regulated for the first 10 years, including how a replacement should look.

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Otherwise, you are buying a piece of a house. An interesting question for you to ask the real estate agent is:
are the connection costs included?
I have noted this: it is _only_ a price guarantee. And yes, if you are clear that while this piece of the house is bought and the property runs as special use, it does not have to be connected anywhere. It is like buying a deluxe sauna, a Thermomix, or a whirlpool with all the bells and whistles: everything is included, but without an electricity connection nothing works. You are responsible for that.
And then one wonders if it was written carelessly or deliberately: how are the bathrooms heated? Surely not with the towel heater, right?!

My concern would be that they won’t get cracking with construction. The provisional energy certificate is from March 2023. They surely wanted to be further along by now.

Offer 2 would be too much of a compromise for me. It faces NW and is relatively narrow as a semi-detached house.
I am a fan of terraced houses myself, but if you have a choice… Terraced houses are simply wider, which you can see inside and out.