Financing of 400k with 60-120k equity capital through a combination of BANK/KfW/savings contract

In our rented apartment, the property tax was higher than for the now inhabited new house on our own land...

And about the reserves. You can also save yourself to death. In a normal new building, usually nothing happens in the first 20 years. Then it might start with the heating. But €5,000 for a new boiler/heat pump doesn’t require 20 years of saving. Those who have enough money can certainly start early. To all normal homeowners, I say that after 10 years it’s enough. A "normal" reserve for all sorts of things you have (or at least should have) anyway with 2-4 months’ salary. That also covers repairs in the first 20 years.

That a certain reserve must be available is hopefully the case for everyone. You don’t want to have to calculate immediately because of a small issue.

For example, we are currently setting aside €1/m2 per month specifically for the house, so €170. After 10 years, you already have a good cushion. In our neighborhood, the facade company is already back at quite a few houses after 3-5 years to repaint or redo the plaster...

In our rental apartment, the property tax was higher than for the now occupied new house on our own land...

It is similar for me. Condominium 75 sqm only slightly cheaper than the 200 sqm two-family house (where part of it is then also passed on to the tenant).

The difference in property tax between my 70m² rental apartment and my single-family house (same city) is €25 per year. You can forget about that. Household contents: the insured amount is huge compared to what is actually in the place (and that is almost identical to the furniture from the mentioned apartment), and I also can't lower it to a realistic value. Since I furnished the mentioned apartment completely from scratch four years ago, I know what I spent. Overall, the ancillary costs per m² have remained the same; I just have more space now and therefore higher ancillary costs. Back to the topic, the OP has a net income of €2900 and wants to finance around €300k. Don’t you think it’s going to get a bit tight? The girlfriend is left out, does the bank calculate all flat rates as if it’s a single household?

Thank you for the stimulating discussion,

I will look at some points in more detail again to create certainty for myself.
Regarding additional costs, I still think it should fit - but I will calculate that more precisely.
Thank you in any case for the many infos and experiences.

As already mentioned, I will set aside reserves of €160 for the first 10 years.
After 10 years, I would increase this amount by transferring the KfW to the building savings contract.
I then consider €2/m to be reasonable - and would accordingly calculate with at least €250.