Financing plan too unrealistic?

Anyway, I am considering whether it makes sense to sell the property... in that location, 200K was certainly doable... to increase the equity and then rather look for a used house in a rural area.

Before you make a final decision... better check first what you can get in your region on the existing market. We originally wanted to buy a house that already existed. But the prices were already very high. On top of that, the additional costs on the full price and a renovation. Still, these houses were insanely sought after. In the end, building new for us was about the same price as a used house with renovation, only with a significantly more modern building structure in the end. The problem with renovation has actually worsened over the last 1.5 years, with the announced renovation to new-build standard and practically mandatory heat pump.

Basically, I do see the chance for you to build that, but you have to be realistic and on the one hand honestly calculate the house and on the other hand honestly track your expenses. This applies not only to new builds, but also to existing properties you can get badly stuck if you underestimate the renovation.

There are terraced houses not only there, just the described offers are somewhat more frequent there. Where the plots to be developed are more expensive, there are certainly similar offers, of course varied accordingly. And in places that are less "attractive for the usual suspects," there are then other usual suspects (just local players then) and smaller projects, but overall not fewer offers.

These projects with dozens of terraced houses only work in the commuter belts. People want to get out of their apartments, but cannot afford a single-family house on their own plot and there are hardly any plots anyway. Accordingly, the possibility arises to buy large plots, develop them and sell the vertical apartments. Elsewhere that is difficult. Either the land is so expensive that you immediately put a 12-unit apartment building on the plot of a 4-unit terraced house or plots are so available and affordable that a terraced house is no longer considered good enough.

Zwischenhäuser gibt es ja nicht nur dort

… because they still don’t exist. At least not what you call Zwischenhaus. The word is coined by you, and I find it confusing how you interpret the word. Zwischenhäuser are, if anything, houses in infill development.

Basically, I definitely see the chance for you to build that, but you have to be realistic and, on the one hand, honestly calculate the house and, on the other hand, also honestly track your expenses. This applies not only to new builds, but you can also get into trouble with existing properties if you underestimate the renovation.

I fully agree and immediately had to think of the following "dynamic expenses":

Dynamic expenses - Cash withdrawal: 250 - Leisure: 90 - Shopping: 200 - Miscellaneous: 419

Almost 1000€ per month disappear without stating what it is for. At least it’s realistic that these expense items exist and are listed. The question is how much one can shift into a house and is even willing to do so. This section probably also includes clothing, additional groceries, vacations, new car, etc. I stick to my opinion; I would calculate more precisely again and definitely risk the house adventure with such numbers.

Almost 1000€ per month is being lost without stating what it is for.

I already asked on the first pages what these items are for. But the OP is more or less gone and does not respond anymore.

In any case, I'm wondering whether it makes sense to sell the property .. in that location 200K was certainly feasible

Is it even possible to sell the property freely? If it belonged to the municipality, it must be returned at the purchase price and you are left with the taxes and fees.

Is it at all possible to sell the property freely? If it was from the municipality, it must be returned at the purchase price and you are left with the taxes and fees.

If it was stipulated that way in the purchase contract at the notary. Otherwise not. We also have this clause in the contract.