Financing: Our house construction project is scheduled to start next year

These are loans of T€ 330. If the plot costs T€ 120 (with incidental costs then T€ 130), there remain T€ 200 for the house. That will give about 70-80 sqm. Is that really your plan?

So yes, you are right, 450,000 T€ are planned and yes, currently still 4,000€ net. But I have further educated myself so that I have ensured that my income will grow in the next few years. But I wonder, if I start as early as possible, then I will also be finished earlier. I have calculated it. With the loan from the KfW with funding for a KfW55 NH or EE house with a subsidy of €26,250, I pay off over 30 years. Then there are 394€ more available monthly. With the loan for the plot from the KfW, I pay off over 24 years, then another 390€ more per month remain, and thus I could easily repay special repayments at my house bank. Monthly costs for the loan installments would be 1241€.

So yes, you are right, €450,000 are planned and yes currently still €4,000 net.
But I have continued my education so that I have ensured that my income will grow in the coming years.
But I wonder, if I start as early as possible, I will also finish earlier.

I have calculated it.
With the loan from KFW with subsidies for a KFW55 NH or EE house with a €26,250 grant, I will repay for 30 years. Then there will be €394 more per month.
With the loan for the plot of land from KFW, I will repay for 24 years, then another €390 more per month will be left, so I could easily make special repayments to my house bank.

Calculate roughly (so that you are done in 30 years) with 4% annuity. That is then €1,500 monthly. Plus another €300-400 incidental costs for the house, thus €1,800-1,900 "warm rent".
Calculable in terms of numbers. BUT, what happens if one or more children arrive? If planned salary increases do not materialize? If the house turns out to be a bit more expensive?
No one can take the decision away from you, but it would be too early for me.

My suggestion: look for and buy land. Brutally high rate and repay as much as possible. In 3-4 years (when the salary has grown and maybe the desire for children is clearer), start building with a (almost) paid-off plot.

Yes, you can do that, but don't the prices increase enormously?
So that over the years I lose more than I save?
The thing with the [Grundstück] is a good idea.
But in the forum, it sounds like only rich people can afford a house, but looking at who all builds a house, I really can't imagine that.

Yes, you can do that but don’t prices rise enormously? So that over the years I lose more than I save? The thing with the land is a good idea. But in this forum it sounds like you can only afford a house if you’re rich, but looking at who builds a house, I just can’t imagine that for the life of me.

Here in the forum you find all types of people. Thrifty, cautious, risk-taking, consumption-oriented... Very realistically, only you yourselves could answer the question. Can you also manage the payment if you have children someday? Calculate that realistically. I also think the option of buying land first makes sense, especially since building land is exploding in price. Building too, but not as much as the land.

Yes, as I said, there is still a bit of time :) But it is my lifelong dream to build my own house and no one will stop me from that. That’s why I have also continued my education so that my income can keep rising. I have spent so many days dealing with the topic of house construction. That’s why we will start searching for the plot next year; I have read so often that some have searched for up to 2 years. :/

Yes, as I said, there is still a bit of time :) But it is my lifelong dream to build my own house and no one will stop me from that. That's why I have also continued my education so that my income can keep increasing. I have spent so many days dealing with the topic of house building. That's why we will start looking for land next year, I have read so often that some people have searched for up to 2 years. :/

That's true, if you're lucky you only search for two years. We searched for 3 years without success. Meanwhile, we are waiting for the notary appointment for our 2012 existing property. I never wanted that before, I always wanted to build, but by now I find this path fits us better. On the topic: a 500K loan with 4,000€ net income would be too tight for me as well. Take the advice about the land into account. You should be able to pay off 96K in 4 years. And when you then go into the building selection, the equity is there and you are already further ahead in life.