Financing land and house construction

Maybe the shed from the terraced house will move along too? ;)

The question really is whether one can wait 2-3 more years and save up properly here - preferably double.

If construction costs continue to rise by 10% per year in the coming years, I haven't gained anything from it either. Besides, the land is de facto already purchased and due to the installment including interest + simultaneously the relatively expensive rental apartment (and upcoming rent increases), a significant increase in equity that offsets the rising costs is unrealistic.

I hadn't realized that the property had already been purchased, sorry.

The outdoor facilities are budgeted at €10,000 for self-performed work. I'll leave it at that

It doesn't have to be that way at all. Even as a disciplined first resident of a new building, gardening tools, lawn mowers, possibly the entire garden setup (we'll do that later from current salary, bonus, or similar) have to be purchased. No one thinks about calculating the prices of hedges per running meter including planting soil... Then suddenly you want a fence, new garden furniture, and the garden shed for the things you obviously no longer want to make space for in the house also has to be acquired quickly. Well, and then the youngest child is already 2 1/2 and wants to play in the garden. And cheap is definitely not an option there.