I hope it has become at least a bit clearer now. I already suspected that it
I have already understood all of that. Unfortunately, you didn’t get my hint with the wooden bat.
But how do you come to the conclusion that we don’t have a savings rate?
as described, the 1,500 euros currently always remain at least.
You roughly have (according to your calculation) 1500€ left… you want a loan installment of 1300€… additional housing costs amount to 300-400€… then some insurances for protection are still missing. And now show me your savings rate for what needs to be newly purchased. Apart from the ongoing costs, which you also expect to be paid from the current salary.
The architect estimated 440k, I rounded up to 450k.
I’d say: 500,000. If it gets bad, the ancillary construction costs won’t be enough, rather 520,000€. And no soil survey also gives no security. 20 meters further there could already be rubble that the neighbors don’t have.
Apart from the plausibility of the building costs, I would above all be interested in how you assess the targeted financing volume with the income :)
Please don’t build below 4000€ salary, just above that only a simple house without a basement plus carport. With 4100€ …
Potential for own contributions is already quite substantial, which of course doesn’t change the material prices.
Do you also have the potential of time?
As already said above: the figures are rather inaccurate and conceal several gaps.