Financing semi-detached house and all additional costs

I’m saying that, although I can’t get enough information from the first post to determine the land price.

Yes, you’re right ... you can and will calculate it that way. Adding in own labor ... The clever financial advisor will handle that . Hence my advice: Go to the bank! But I didn’t want to create any euphoria ...

Once again for the questioner, loan of 300,000 euros:

[*]Interest 2%, repayment 2% --> 1000 euros monthly payment, 35 years term
[*]Interest 3%, repayment 3% --> 1500 euros monthly payment, 23 years term

You can calculate a bit yourself ... and ask your bank.

Another question is how reliable the cost estimate is (so will it stay at 300,000 euros)?

I’m not saying that a 100% financing is good and right.
I myself have done everything to get below 80% (saved).

But that’s how it’s calculated. House construction costs + outdoor facilities + incidental construction costs without purchase incidental costs = 100%, as well as purchase incidental costs as the "extra bit" to go over 100%.

But the OP also relativized this earlier, since it’s a tied deal he will land with your "calculated" buffer somewhere between 105% and 110%.

Can someone also tell me what I have to pay monthly for a financing of about 300,000?

Anyone who asks such questions should obviously not finance a house! Sorry... and definitely not 300k with only 3k net income

Who does not ask remains dumb...

Wer nicht fragt bleibt dumm...

As I said, go to your local bank and ask what is possible, you don’t have to commit at your age.

Yes, I think that would be the best, just to get informed.

He who doesn’t ask remains dumb...

Exactly. Everyone should be allowed to take a first look.
However, now would be the time to simply discuss in a personal appointment with a financing advisor or your house bank what is actually fundamentally feasible for you.
They don’t just see the offered house price, but also your average living costs with your salaries. Several other factors play a role.
Afterwards, you should keep a household budget to see how the money is divided for you and where it goes. Since monthly additional costs for property ownership always tend to add up a bit, a good financing should be secured with the monthly consumption costs and a monthly buffer; moreover, one must also consider the desire to have children and the loss of one full income.

And once again, just a piece of advice: Friends build, friends marry, friends have children.
You have to see for yourself whether you can keep up with the rhythm yourself or whether you distance yourself from the goals of others.
Quite clearly, I have never seen the continuation of a friendship after the construction of two semi-detached houses.