Financing volume 410k € Feasibility assessment

I have to weigh this up ... something like the remaining excavated material - if the architect hadn't told me about it and taken care of it, I would have probably blown the saved 10k € somewhere else on disposal and landfill. Just as an example. I don't know if I could possibly save even more through his good contacts with craftsmen ... and, as I said, if something really happens, you still have an anchor ... he's really a good guy you can reliably depend on. But thanks for the impulse, as I said, I have heard that from several people and will think about it some more. :)

A good architect is certainly the gold standard for those inexperienced in construction! But he also eats up money! The decision is yours or yours alone.

Maybe someone will still notice something missing in my list of additional building costs. I want to represent everything as comprehensively as possible.

In the forum, some female builders have already shown their ancillary building costs as a list, activate search function

Right, I could have figured that out myself. Sorry.
My list should now be complete. The soil survey was still missing with a few euros.

Thank you all.

If anyone else would like to give an assessment of the calculation, please feel free :-)

Basically, the rate looks feasible at first glance and quite generally (30% of the net income), and I also believe you regarding the savings over the past months. Regardless of the construction costs, it should be said that kitchen, furniture, etc. have nothing to do with the construction costs ;)

Assuming 420k, you would probably manage with the targeted rate of €1300, additional monthly costs for the house should be estimated at €350-500. If we assume that, then we would be at "from €1700" per month for the house. Currently, you pay a good €700 in contrast, which means that of the €1500 savings rate, only €500 remain in the future. From that, you might eventually need to buy a new car (a car is currently set at €0 monthly), pay for its repairs (these are also set at €0 for both cars) and cover any other unplanned expenses. Banks generally calculate an average of €500-600 per month all in for a car, which is not unrealistic for mid-aged, mid-/Golf class vehicles for an average work commute.

I don’t know whether additional income is already included in the consideration of your current savings rate? Balance at the end of the month in the account or really determined individually.

If parental leave is coming up, there is 65% of net income, which in your wife’s case (I assume she is more likely to take parental leave ;) ) would be €1300 instead of €2000 per month, and you would be in a monthly deficit without special effects, so either savings or other sources would be necessary. Additionally, a child also costs money, and the roughly €200 child benefit is often not enough; for example, a daycare provider at €300-500 per month is more the norm than the exception. Can your wife go back to work full-time afterward or only part-time?

These questions are best worked through together in the evening and then honestly reviewed and decided upon, possibly developing ideas; it seems there are reserves that were not mentioned here.

Thank you very much for your feedback.

Yes, maybe listed unfortunately, but the kitchen and furniture have to be taken into account within the financing framework...

Yes, it will be tight during parental leave, although there is also some child benefit, but yes, additional costs arise because of the child, of course. However, we agree that we can manage for a year. 2x grandpa and 2x grandma live nearby, so there will certainly be no lack of support even after parental leave. We also want to financially regroup briefly after moving in (hopefully Christmas 23) and then start planning for children.
So the current savings rate of 1,500 euros does not yet include the reclassification and collective wage increase of my girlfriend (about 110 euros more net), a raise from me (verbally promised, amount unclear), and the secondary job (which she only starts in April).
My girlfriend's part-time salary will amount to about 1,450 euros after parental leave, if everything goes as planned.