Financing volume 410k € Feasibility assessment

Thank you for your contribution. Right, I messed up with the kitchen. Sorry about that, but we are aiming for 15k :)

Regarding the vehicles, right, leasing is not a loan, so I wrote it the way I did. I am leasing mine (still), my girlfriend drives a paid-for car. So actually only one is leased, not both.

About the insurances: We definitely need to address that if construction is going to start. The insurances to be taken out were marked with “NOCH keine”. But how do you come to the conclusion that we have no savings rate?

The architect estimated 440k, I rounded it up to 450k.

I have roughly estimated the living expenses above; it is not really possible to separate everything categorically like that. Overall, it should fit well, as described, at least 1,500 euros currently remain each month.

The bricklayer crew works here on two evenings a week plus Saturdays on a €450 basis. Earthworks are done by a friend (employed in civil engineering) with a rented excavator. It is a hillside plot, but the soil caused no problems with the surrounding properties.

I hope it has become at least somewhat clearer now. I had already suspected it might be a bit incomplete :-)

200 sqm total area. 145 sqm living space over 2.5 floors. Double garage in the basement. Basement due to hillside. So kept “relatively” compact, without fancy things like dormers or corner windows. Ordinary pitched roof.

Aside from the plausibility of the construction costs, what would be especially interesting for me is how you assess the targeted financing volume in relation to the income :-)

I think that doesn't match the costs for a hillside property. For example, the 15k€ for the outdoor facilities won't even be enough for the materials.

Regarding the recent architect estimates, I would read between the lines here. It will tend to be around 500k€ + x.

The architect estimated 440k, I rounded up to 450k.

That's a good one. :D
Calculate 145 x 2500 + 55 x 2000. I would set that as a minimum. + additional building costs.

Furthermore, when offspring are on the way/present, income is lower, expenses are higher. And the trend continues.

With a rough estimate, I wouldn't jump into the race in current times.

Can only confirm Halmi's statements regarding the costs of the outdoor area on a sloping plot. In the end, we ended up at about four times your estimate.... How should the basement be constructed? White or black tank?

I can only confirm halmi's statements regarding the costs of the outdoor area on a sloping plot. In the end, we came out at about four times your estimate.... How is the cellar supposed to be constructed? White or black tank?

May I ask what kind of own work you contributed to your outdoor facilities? It will be built with masonry. :)