Financing - which construction financing is sensible?

Either you have it or we do, at least I have a knot in my head.

It’s not like none of us work and don’t have furniture. You don’t exactly want to install old lamps in a new building. A new kitchen with new technology delights the heart, a private terrace even more.
You seem to already own everything except the house. You’ve probably already laid the flooring and the entrance platform is already there
You can get back to me in a year or sometime in between to say whether the 300,000 is enough or if uncalculated craftsmanship from some sides still eats a hole in it. But don’t say we didn’t warn you. The costs start as soon as construction begins, not two years before.

Oh right yes ... she may not be on the land register but happy to contribute otherwise

Floor coverings are included with Danwood. And I only furnished my other apartment in the distance with top furniture two years ago. But I changed employers and currently live in my parents' house and still have all the furniture there. As I said, the pure house price with the base slab is around 240,000.

But it will be during the marriage. Why should I or she throw money away for a property transfer now before the marriage (real estate transfer tax, donation...)? It's total nonsense, because the land including the parents' house belongs to me. In a marriage it is free of charge. Especially since, before the marriage, of course you can expect the woman to contribute a share for the financing - theoretically, she can't live for free anywhere else, right?

I see it differently. A woman who invests somewhere now and has no security is to blame herself. How often do people separate during and after the construction phase (or even later)

There are said to be bad men who then say: NO, you can’t get into the land register anywhere anymore

Option 1: Get married at the registry office before the financing and then have the big wedding celebration next year (this is done more often than some think).

Option 2: Your girlfriend pays you a monthly installment, so to speak as a "rental contribution," and is not included in the financing.

I don't know if it is even planned, but I read it skimmed: Being included in the financing but not registered in the land register is not a solution. That is 100% protection for oneself and for the other half it can potentially ruin their life.