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

You like singing, but it's just not true, most people don't build like that. 450,000 EUR for a 150m² house (house only, without additional building costs, without furnishings) is far from the reality of what the average person in Germany builds. The average loan amount for building a house in 2024 was 313,000. Then people would all have to bring 300, 400,000 in equity at your price expectations.

The average loan amount for building a house was 313,000 in 2024.

Not quite correct. That is the amount taken out for a property. Existing purchase, condominium, new construction, land purchase financing, etc. NOT for house construction. I can't find the numbers right now, but the average property is just under 600,000€. That's a figure I read in a statistic last year.

Then people would all have to bring 300, 400,000 equity with your price expectations.

Yes, that fits - on average. But there are also apartments for 5 million that are paid for from equity and the little mining cottage for 75k.

Hello everyone,
in the meantime, I have been busy – both with thinking and saving.
Some concrete offers have now made it to my shortlist.
Your information has helped me a lot.

Currently, I like the [URL_INTERNA=https://www.hausbau-forum.de/threads/town-country-erfahrungen-erfahrungsberichte.10054/

Town & Country[/URL_INTERNA] bungalow best:


[*]Living area: approx. 110 m²
[*]Price: approx. €290,000, turnkey (minus own contributions)
[*]E55


Scope of services


[*]House construction protection letter, construction management & construction site setup (incl. crane, waste disposal)
[*]Planning & structural analysis: architect services incl. submission, working plans, building application
[*]Earthworks & foundation slab, incl. height leveling, humus removal
[*]Exterior shell: 30 cm brick/porous concrete wall + 12 cm ETICS, hipped roof 25°, attic with retractable stairs
[*]Heating & ventilation: air-water heat pump, underfloor heating (individual room control), decentralized ventilation with heat recovery
[*]Electrical: TV connections, photovoltaic and e-car pre-installation
[*]Windows & shutters: triple-glazed PVC windows (white), manual shutters
[*]Interior finishing:
[LIST]
[*]Solid, plastered walls (painted inside & outside)
[*]Cement screed incl. insulation
[*]Interior doors, tiles in bathroom/WC
[*]Walk-in shower
[*]Planning services for garage/carport


[*]Own contributions: floor coverings, interior painting, painting roof overhang
[*]Warranty: fixed price for 14 months

I want to remove the electrical part from the Town & Country offer and implement a SmartHome & photovoltaic system myself with the help of a friend who is a master electrician.

I have since reduced the originally planned living area. Background:
My parents have assured me that they want to move into the bungalow themselves later if age-appropriate living becomes an issue. In return, I could take over their house – which offers 3 floors with approx. 70 m² each. That would provide enough space for all eventualities.

How do you assess the price-performance ratio of the mentioned offer (110 m², approx. €290,000, turnkey)? Are there any comparison values?

[*]Do you have experience with Town & Country, especially in the area of bungalows?
[*]In your opinion, is it sensible to plan a bungalow with a view to later use by the parents, or should one think more flexibly?
For example, through expansion options? According to construction companies, I should forget about "adding a floor."
[*]Are there special points regarding bungalows that I should definitely consider during the planning phase (e.g., accessibility, roof shape, energy standard)?
[*]Maybe there are still possibilities to extend the building project to 120/130 m² anyway, but that would have to be calculated if the choice falls on Town & Country.

How do you assess the price-performance ratio of the mentioned offer (110 m², approx. €290,000, turnkey)? Are there comparison values?

You have already received the comparison with usual prices many pages ago. It's totally okay.

From your point of view, is it sensible to plan a bungalow with regard to later use by the parents?

I personally think that's complete nonsense. I wouldn't buy a VW bus today just because I might have three children in 15 years. Are you going to make the bungalow age-appropriate right away? So big doors and maneuvering spaces for a wheelchair. And suitable height of the toilet (then rather very high) and the sink (then at the height of a urinal)? Etc. So really prepared for all cases? Build a house the way YOU need it NOW.

According to construction companies, I should forget about "adding a story".

Forgetting is an exaggeration. If you have too much money, everything is possible.

Are there special points regarding bungalows that I should absolutely consider during the planning phase (e.g. accessibility, roof shape, energy standard)?

As with any house. Floor plan and lifestyle have to fit together. Regarding the energy standard, you basically don't have much choice—either very efficient, particularly efficient, or extremely efficient. Everything else is a matter of personal preferences.

EH55 with ETICS:
to put it nicely, not my royal road. EH55 in aerated concrete goes monolithic in caliber 365.

Disconnecting the electrical system to realize fancy features / special requests with an electrician you arrange yourself:
Where do you dream of finding the necessary interfaces for docking such upgrades with an economy provider?
With an economy provider, you can exchange tiles of the same thickness but different designs and abrasion classes, that’s it. You can only have a walk-in shower there if it is planned.
And keep in mind, the margin from the standard is not taken out – so it will certainly be more expensive.

Bungalow as future-proofing for aging:
Nonsense. First, barrier-free access requires more than level access, second, aging without rusting requires movement. Seniors belong on the first floor. Lack of movement tends to create growth rings.

Subsequent house enlargement:
An extension needs reservable ground area, an additional floor usually not directly – but possibly indirectly due to setbacks because of height. A bungalow with a built-in staircase crawl space will "remain childless," as it is generally not statically suitable for an additional floor. If you still want to dare it, that means the full write-off of everything from the underside of the binder ceiling downwards.

Possible immediate larger size:
would require a correspondingly larger house model with Town & Country, possibly also an extension in the wheelbase (eaves length). A track widening (more gable width) would lead to a structurally different house and thus leave the frame of the basic model. And nobody in their right mind makes an individual design with Town & Country.

Overall, I see you are completely in the wrong movie with this provider.

I have been busy in the meantime – both regarding thinking and saving.
Some concrete offers have meanwhile landed in my closer selection.
Your information has really helped me.

So you apparently have been "busy" unsuccessfully (which also makes me doubt that what you read has helped you).