House construction: Dream of a house affordable?

Does it mean... having the house drawn by an architect and then contacting the necessary companies?
Or have it drawn and get an estimate from the architect?

How about the basement? If I’ve picked up correctly here in the forum, a construction project on this plot doesn’t make much/no sense without a basement, since the earthworks are going to happen anyway. Is that correct?

An architect is always recommended for a sloped plot, since most houses from catalogs are designed for flat land. But definitely schedule one or two appointments with a general contractor to get a feel for the price structure.
Whether to have a basement or not depends on the slope, at least in terms of economic considerations. has a rule of thumb for that.
If you have more detailed information about the plot, please share it with us. Then we can also make more precise predictions. Quite a few forum members here have also built houses on slopes.

One can always calculate positively, or you turn it around and say that there will be another gap before the child starts kindergarten. Elterngeld Plus will also only be paid for another 1.5 years, but the child usually only starts at three years old, possibly even later if the kindergarten here has unfavorable regulations, into care (which, by the way, also costs money).

Besides, a concrete offer should first be obtained to see if the costs fit; I think it is calculated very cheaply.

The kindergarten costs including food and drink are already in the Excel.

A car no longer needs to be purchased either. Last year, when I didn't yet have a company car, we bought a nearly new car for the offspring. Here, one could also downsize, since two station wagons are not needed. Or simply keep driving it until it breaks down, since the company car is mainly used and the car was paid for in cash.

We are aware that it would be advantageous if my wife works at least a little alongside between the end of Elterngeld Plus and kindergarten to at least maintain the current household net income. Whether that works, of course, is another matter. In an emergency, the fallback plan would apply until my wife works part-time.

The Bavarian family allowance (250€/month), which is given from the 13th to the 36th month, we want to save completely. This is not yet included in the equity.

Even if there would still be a six-month gap, the original poster said that 1,200 would be feasible with the current 4,000.

No no, with a childcare gap the income drops to 3,400€ after the parental allowance ends. Correction: 3,650 including Bavarian family allowance.

I think that is a very tight story, especially the costs should continue to rise. For example, we always calculate here with €2000/m² or the double garage for €25,000. There will definitely be more on top of that.

€20,000 were budgeted for a garage. If there is a double garage for that, okay... if not, then just a single garage with/without a shed.

With more children, the salary will remain at €4,000 for the next few years at first.

If it stays at €4,000, then the €1,200 rate would be doable. It would just postpone an increase of the rate.

Did you save the equity yourself?

About half of the equity was saved by ourselves. Additionally, we still hold €20,000 equity in reserve, which is not included in the financing and is intended as an emergency fund.

No no, with a care gap the income drops to 3,400€ after the parental allowance ends.
Correction: 3650 including Bavarian family allowance.

Right...that's why an Excel sheet also serves as an emergency plan. Of course, the 300€ vacation savings rate, the ETF savings plan, and the monthly reserves would have to be reduced here.

20,000€ were budgeted for a garage. If there is a double garage for that, okay... if not, then just a single garage with/without a shed.

Honestly, the garage is your "buffer" in case something else turns out to be more expensive than budgeted. Finish everything inside first, and then you can see if there is any money left - that will first go into (rudimentary) outdoor facilities and then into a shelter for the car.
You need your 20k€ reserve for the kitchen and the many little things that add up in the end... mailbox, doorbell, lighting...

I also view the time without parental allowance and childcare critically – from when is the child supposed to be cared for? Is there already a plan for that?