Financing options for land and subsequently house

Where is the construction supposed to take place? Munich city center or at Lake Starnberg?

Here he goes again. Those are prices that are now completely unproblematic to pay in Hanover or Braunschweig as well. For Lake Starnberg, you'll probably have to add another zero.

I would at least wait until the promotion is really through and actually 5,900 scoundrels change owners per month. Because a decided promotion without a concrete date when it will be implemented... I don't know. To me, that sounds more like the boss's promise "Yes, we'll do it as soon as xyz is fulfilled."

The question that remains for me now is what sense it makes to buy a plot of land with 243 sqm. My front yard is actually bigger than that. At that age, nothing tears you away. You have to look or come up with something else.

The wave of insolvencies in the German industry is already underway, we are in the middle of a recession, and even big companies like VW are starting to struggle. A small note on VW's current debt: they have balance sheet liabilities of more than 400 billion. So I wouldn't rely on property and real estate prices staying at their current level if there are mass layoffs or plant closures there. The same obviously applies to Stuttgart or Ingolstadt.

In this respect, I would wait. I don't see much potential for increase at the current prices.

So the question for me now remains what sense it makes to buy a plot of 243 sqm. I mean, my front yard is bigger.

But your front yard is only worth as much as 3 sqm at the OP's place.
What is the alternative? Not buying 1,000 sqm? Great!
Or just renting an apartment for 2,000€.

P.S. My first house was on less land. 60 sqm per floor plus a converted attic, plus a garage. Enough garden for a terrace, shed, sandbox, and trampoline. Only no, I simply couldn’t ride to the horizon. But the gardening was manageable.

6200€ including child benefit or plus child benefit?

Including child benefit. My wife's secondary job is not included here, as it mostly fluctuates.

(...)
The wave of bankruptcies in the German industry is already starting, we are in the middle of a recession and even large companies like VW are starting to struggle. (...)

No, the Volkswagen Group does not have a problem. Only the VW brand within the group has problems, and even there it is mainly about streamlining administration and closing smaller plants. No one talks about the main plants of Volkswagen and Volkswagen Commercial Vehicles in Wolfsburg and Hanover-Stöcken being at risk. It is rather about locations like Zwickau, Emden, or the gearbox plant in Kassel.

The main plants of the respective car manufacturers are the very last to be affected.

Discussing the future of the German industry here probably makes little sense. I just wanted to express that societal changes are always possible and times, in general, are becoming more uncertain.

And with the decline of Germany’s economic base and the resulting loss of various well-paid jobs, this will certainly also have fundamental effects on the real estate market.

Real estate prices are always linked to the economic prosperity of the respective region. Whether in Kassel or Zwickau.
Added to this for future buyers are uncertainties about their salaries. I also see the development of net wages rather critically.

High earners are the last group that can still be noticeably squeezed. The keyword here is a nursing care insurance affected by insolvency.

To make it short: I certainly would not pay almost 400,000 euros for a towel-sized plot including additional costs. What’s the nonsense? Not in these times. I would rather wait and hope for a price drop.

I have here a land value of 14 euros in rural Saxony-Anhalt. It won’t really go down much further. But will the 1000 euros hold up?

I would rather invest the existing equity in gold and strike in 3-4 years when gold prices have risen and real estate prices have simultaneously fallen. That makes more sense.