Financing volume 410k € Feasibility assessment

First of all, you should eat better/higher quality. You have about 5 € per person per day available. A bit too little.

I think it's desirable to start with the house so early, but it gets tight with the children. Besides, I would do it without a wedding/contract.

I hope it has become at least a bit clearer now. I already suspected that it

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.

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

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 :)

Potential for own contributions is already quite substantial, which of course doesn’t change the material prices.

Now, now, no premature judgments here. We have our nutrition under control. Personally, as an athlete at a semi-professional level, I can’t afford anything else either. It may be that the twice-weekly lunch at my mother-in-law’s is noticeable here in the costs. :-D and while we’re at it: 375 / 2 / 30 = 6.25 euros.
But we don’t want to drift off topic …

I have already understood everything. Unfortunately, you didn’t get my hint with the wooden batten.


You roughly have (according to your calculation) €1500 left... want a loan installment of €1300... additional housing costs amount to €300-400... then some insurances for coverage are still missing. And now show me your savings rate for what needs to be newly purchased. Not to mention the ongoing costs, which are supposed to be paid by you from the current salary as well.

I’d say: €500,000. If things go badly, the incidental construction costs won’t be enough, then rather €520,000. And no soil survey also gives no security. 20 meters further there could already be rubble, which the neighbors don’t have.

Please don’t build with less than €4000 salary, just slightly above only a simple house without a basement plus carport. With €4100 …

Do you also have the potential of time?

As already said above: the numbers are quite inaccurate and mask several gaps.

We have a very similar size and just the materials for the painting work and the floor coverings each cost us about 10k four years ago.....

Not "according to my calculations," but that's definitely the case.

What I don't quite understand: Where are our current rent + additional costs in your calculation? These are items amounting to 700 euros that are eliminated.