Financing a detached house of 140m2 in Bavaria - Is it possible?

deswegen hatte ich schlüsselfertig im Kopf.

Normally, the finishing packages are included – so turnkey, if you have installed everything yourself (the finishing packages inside).

Oh yes, if you want or can do a lot yourself and need to watch the budget, a shell construction might still be a possible alternative. You get everything delivered for the interior work and just have to install it.

But only do it yourself! - see forum search for the keyword "aufgehendes Gewerk".
Also check the sister thread

I actually wanted to build solidly,

Then start practicing folding lemons. Solid houses are as much more solid as prefabricated houses are faster finished. A dog biscuit is a biscuit _for_ the dog.

Hello everyone,
I would like to fulfill the dream of owning my own home and hope that some experts or experienced people here can give me their assessment.
My current status:

[*]The plot of land (800m²) has already been purchased and will be fully paid off soon. Its value is currently probably around €105/m², so presumably about €84,000.
It is also fully developed.
[*]This plot is my equity.
[*]Additionally, I have a financial buffer of €20,000.
[*]After consulting with a construction company, the shell construction will probably cost around €160,000 (written offer coming soon).
[*]My bank has promised me financing of €350,000.
[*]Total budget therefore about €450,000.
[*]Desired size is 140m² living space, maybe additionally a garage with expandable space in the attic and a door to the upper floor to create storage space and further options for later.
I no longer expect to include a cellar for cost reasons.

Now to my question: Is this budget sufficient to build a single-family house? I am aware that, in addition to the shell construction, many other costs will come up (interior finishing, electrics, heating, plumbing, outdoor facilities, etc.). I have already started a cost calculation here but do not yet have all the offers.
Does anyone have similar experiences or can estimate whether my budget is enough for a solid single-family home with usual standards? Where could unexpected costs arise?
Is there perhaps someone here who has recently realized something similar?
I am looking forward to your opinions and advice!
Thanks in advance!

Good day,

I am from the company MHW Haas Wohnbau and happened to come across this message.

We have a catchment area of about 1 to 1.5 hours driving time around Heßdorf near Erlangen.
(I have not read everything and do not know exactly where you want to build. For the sake of argument, let’s assume you are within our reach.)

We can offer you a solid, turnkey single-family house (exemplary with sloping roof) with 135m² living space currently (as of 03.03.25) for €324,900. This would be our house Trento. The net living area here is almost 150m². (The numerical differences result from different calculation methods. The almost 150m² corresponds to the “known” “usable area.”)

This includes the earthworks from a flat plot, the foundation and the floor slab, as well as the turnkey house. Only the floor coverings and the wall paint are missing, whereas bathroom and guest WC are completely tiled and furnished.

For cost reasons, individual trades can also be omitted and completed by yourself, if this is of interest.

Best regards from Heßdorf
T. Geyer

From your introduction, I make two assumptions: 1.: You are still quite young (parents help) 2.: You have no own family (I haven't read anything about that). If I were single and young, I would turn to a modular construction provider who specializes in serial building. This way, a concept could be developed where the house is always as big as one currently needs, instead of exhausting oneself by building "in advance" for an unknown future life situation. In parallel, I would look for innovation funding pots or reference customer agreements.

We can offer you a solid, turnkey single-family house (exemplarily with sloping roofs) with 135m² of living space [...] This would be our house Trento.

Why not Meran?

Let's pretend in the following that you are reachable for us.

Yes, it would make sense if the questioners mentioned their construction sites.

If I were single and young, I would turn to a modular building provider who specializes in serial construction. This way, a concept could be developed where the house is always as big as you currently need it, instead of overextending yourself to build "in advance" for an unknown future life situation.

In the specific case, I see no advantage in serial construction, and a modular house is a long-dead harebrained idea from spatial planning reformers that resurfaces about four times per Halley cycle. The concept has never been able to establish itself in any of its previous attempts, and I see no reason why this will change in future rounds.

Why not Merano?

In principle, everything is possible, you save around 5,000 there, but it is still somewhat smaller.

He should just take a look at all the houses, you can always adjust the size and customize everything anyway.