First buy the plot, then calmly plan and build...?

It does indeed seem a bit strange when a husband "loans" money to his wife. But as you already said, in the end, everyone has to decide for themselves. At the latest, when children are around, a strict separation of finances is usually no longer possible anyway...

Regarding your initial question, I would like to join klblb. The cheapest option would of course be to somehow raise the money independently of the banks. A loan could probably be taken out on the paid-off condominium, with which the rest of the property as well as possibly part of the incidental construction costs could be paid. The question that arises for me is whether the 200-250k € you are aiming for will be enough for the house and whether the financing could then be handled by you alone, especially if more children are expected.

According to the bank, it would be no problem to service the loan alone, but the amount of the monthly repayment is then limited. Renting out the apartment was also recommended to me, as real estate prices continue to rise.

[200.000€] is indeed probably a bit too little, [250.000] would probably not be a problem either, but I still have the appointment with the developer.

Hello,

When I read here "Husband lent wife money, separation of property, husband wants to buy the land alone, wants to pay the loan alone"... then I would consider not building at all. If my husband would write something like that, I would have no interest in building together anymore. It sounds here as if a separation is already foreseeable.

Best regards
Sabine

And banks also always like to take a closer look at these constellations and then really only consider one half.

That may sound a bit unusual, but it is purely a formal matter without any intention of separation. Someone who is the sole equity provider and a child of divorce might think about it somewhat differently. If it is desired by both parties and remains morally correct, then everything is fine, right?

Back to the actual question:

The property could be paid for entirely from own funds (including fam. loan), meaning no land charge would be recorded in the land register. However, this leaves little to no capital left for the actual house construction.

Will the property now be fully credited as equity? Is it also possible to finance the ancillary construction costs?

Unfortunately, it is not yet foreseeable when the property will be built on, as no decision has been made on a developer.

Thus, it is not possible to plan what the house will cost and how much money will be needed as a loan.

Does it still make sense to apply for a loan now with an estimated total amount, and is that even possible?

I am somewhat concerned that due to the incomplete crediting of the property, there might be worse interest conditions. Also, the interest rate could have risen again if construction only begins in a year.

Why shouldn't the property be taken into account? Property = money in tied-up form = equity capital. Of course, one could discuss the applicable value (completely with [Bodenrichtwert], part as building land and part as garden land, depending on the use of the property surcharges or discounts, etc.).

However, you will not be able to apply for a loan. At least not in the amount of the estimated costs. What can you offer the bank as security for the loan? Only an undeveloped property. This limits the possible loan amount to the value of the property.

P.S. Where is the real problem if interest rates rise? Let them rise by half a percent. That is about 40 EUR per month on a loan of TEUR 100. If you can't handle that, then forget about building a house ;). Many years ago, when I still "sold" financing, there was sometimes a 6 or 7 in front of the decimal point. Now (and in my opinion also in the coming years) we live in the land of the blissful and everyone complains about (possibly) rising interest rates :confused: