Financing framework for new construction on own land, 3 children, civil servant A13, Hamburg

Yes, we do want to. Or am I overlooking something?
Of course, this refers to a family of four and is not directly transferable 1:1. But please think exactly in this direction: Not too big, but sensibly small.

You still need an additional room. The third children's room. That will then go into the upper floor with 12 sqm – thus the ground floor will also be 12 sqm larger (and in the worst case the attic as well) and from 125 sqm it will become approx. 140 sqm to approx. 150 sqm.

Once again about the construction project:

So you believe two boys at the age of 13, 14 still want to share a bedroom?
If you see it that way, then build it like that... you are certainly not doing your children any favors that way...

No. My sentence was an example of possibilities and flexibility. There should be three children's rooms so that everyone can have their own.
Thinking a bit further: Of course, we could also plan only two children's rooms and have another child. Then it would be 33/2=16 sqm per children's room and I would have saved half a sqm and probably also some hallway sqm, because only two doors would be needed. (And I would have more child benefit and family allowance. But now this is getting a bit absurd, sorry.)
Whether I am doing the children a favor with 11 sqm children's rooms is also relative. A rental flat in Hamburg would probably be priced for us with two children's rooms, without a garden, and so on. So rather 11 sqm own space per child, even as teenagers.

Once again about the overall situation:

You still need one more room. The third children's room. That will go upstairs with 12 sqm – thus the ground floor will also become 12 sqm larger (and in the worst case also the attic), and from 125 sqm it will become about 140 sqm up to about 150 sqm.

Understood. I come to 137 sqm, of course there will be somewhat more hallway and depending on the construction method somewhat more space in the attic. I’m no expert, but I would try to get as close as possible to 140 sqm and as far away as possible from 150 sqm.

But in this thread I rather have the feeling everyone wants to advise me to 150 sqm and more.

What is also still missing is feedback on the
financing plan:

It would be nice to have as low installments as possible in the first 5 years

Then the installment also shrinks to about 2250. Then another 5 years interest-only and the saved repayment put into the expensive bank loan.

Please think further here.
- Slightly lower construction sum (how to achieve? sqm, own contribution? What is realistic?).
- Interest-only years where and how many to choose

Feel free to think a little further here.
- Construction sum slightly lower (how to achieve? sqm, own work? What is realistic?).
- Interest-only years where and how many to choose

What have your searches with, for example, the mentioned prefabricated house providers yielded? I wouldn't try to save here yet if you don't have a plan at all where you could make cuts.
Interest-only years can especially be used with the KfW. Of course, this increases the installment, as the suspended repayment must be made up again in the remaining years.

First, take a look at ready-made houses. Lichthaus 152 from Town & Country - not very small, but inexpensive. Hanse Haus Variant 35-165

Team Massivhaus including home office - but then somewhat larger



Or without HO

Maybe some of the building services could even go into the attic? Is that conceivable? Does it make sense?

Sure, that's possible, but in standard floor plans from large companies it's not planned. You would need a building services planner or an architect with a lot of technical knowledge for that. Or you do it yourself, but then you have to research intensively and spend a lot of time dealing with it. You should also have some knowledge of construction...

Repayment-free years can especially be applied with the KfW. Of course, this increases the installment because the suspended repayment must be made up for in the remaining years.

Is that not possible with banks? No family support programs? Happy to get tips, but I will also search on my own.

Stick as much as possible to a standard off-the-shelf 08/15 house.

Then a TGA planner or an architect with a lot of technical knowledge would have to be involved.

So rather no technology in the attic if I add one and one correctly.

What has your search yielded with, for example, the mentioned prefab house providers? I wouldn’t try to save here yet if you don’t have a plan in place where you can cut costs.

Nothing yet, the prices are partly not online and if they are, you have to read closely what else is added on top.

I’ll go research and plan. It may take a while before I get back with something concrete. Thanks anyway.

We live as four in a 90 m2 condominium

Do you have an 8 sqm or larger heating room/house connection room in the apartment? A storage area for bicycles in the apartment? Storage spaces in the apartment? Unlike a condominium in a house, you need those spaces. That makes it bigger. How big is your cellar? Then in the end you get to the size of the house...