Financing & Realization Semi-Detached House Rhine/Main Assessment?

For example, we went through the online banking of an entire year and roughly classified our expenses (sometimes banks offer something like this themselves, but we went through it again "for ourselves"). Some expenses fall out where you think, well, that was just a one-time thing, but you should also be honest with yourself, there is always something (and in the new house there will probably be many "one-time" purchases at first). My gut feeling tells me it’s probably not a problem, but ultimately you should break it down for yourselves once. If breaking down expenses is too much effort for you, you can also approach it from the other side (e.g. how much remained so far/have you consciously or unconsciously set aside).

fits, sits and has room, if not you then who

but you have to be honest with yourself, there is always something anyway (and there will probably be many "one-time" purchases in the new house at first).

I can really agree with that. I know after moving into the new building we had quite high monthly expenses compared to the years before. It was after all a new house and a bit bare after the move, you really buy a lot of little things, here a pleated blind, there a curtain, this, that. It really adds up noticeably.

I can really agree with that. I know that after moving into the new building, we had quite high monthly expenses compared to the years before. It was indeed a new house and after the move it feels somewhat bare; you end up buying a lot of little things, here a pleated blind, there a curtain, this, that. It really adds up noticeably.

For us, there were eventually 2-3 months of flower pots and plants... under those conditions, you should probably just plan an extra 10k as a buffer or have the installment set so that it somewhat derives from a defined surplus per month, whatever that may be.

More than just a few flower pots should be planned. On the 5th floor, you rarely need a lawn mower, a large ladder, etc. Taken individually, none of this is such a big deal, but in total it adds up quickly.

By "undeveloped" you hopefully only mean that no utilities are yet laid on the property. I will refrain from commenting on financing issues, but regarding the topic of semi-detached houses, I would generally like to point out that one should never plan one half individually. The many complications lurking are not "just" technical in nature. Therefore, I always advise coordinating planning and at least at the shell construction stage also the execution with the neighbors of the other half or carrying it out together.

Worst case scenario: You build without a basement, but the future neighbor needs one and excavates the foundation pit after you have just finished....