House construction - How to proceed further?

Good evening,
so far I have been an eager lurker and have searched for a similar situation but have not found one.
Now to the problem.
I am 23, a probationary civil servant until 2018, currently earning about 2000 euros net, with 195 euros for health insurance deducted.
She is 23, a nurse, earning about 1500 euros net (+13th salary).
A wedding is planned, which will increase net income by about 110 euros per month.
Two car financings are still running.
1. until 2017
2. until 2018
We are currently saving 550 € per month, if the first car is paid off, 900 € would be possible. (There are more, but due to vacation, car taxes, workshop, etc. these are not considered.)
An "iron reserve" of 5000 € is not touched at all and is left in the daily allowance account for absolute emergencies.
Disability and pension insurance + liability + household contents + accident insurance are in place for both.

We have found a suitable building plot (750 m²), which costs 19125 €.
+ Surveying 2000 €
+ Notary 1000 €
+ Real estate transfer tax on purchase price and surveying 1100 €
+ Development contributions 11300 €
So altogether about 35000 € immediately, from purchase.

Later on:
+ 7500 € electricity/water/gas/sewer.
+ Remaining development 11300 €
+ "Eco contribution" 2500 €

Total: about 56,000 € (Data from the responsible municipal clerk)

We have currently given up on building the house because we would have had to finance about 280,000 €, which would mean a rate of about 1000 euros at 2% repayment, and this seems too much for us at our income right now. Also because we want children.
Therefore, the plan was first to buy the land with our 25,000 € equity, since the price here is still expected to rise. The remaining 10,000 euros would have to be financed initially. We have an affordable architect who would do the construction drawing + statics + supervision. Does it make sense to submit a building application and take the old energy saving regulation standards? Since there is 3 years time and longer on application?

The house construction is to be postponed but with the security of still having the "cheap" building plot. Furthermore, in 2018 a home savings contract with 5000 € will be allocated and I receive 4500 € from the statutory pension insurance. Furthermore, I will be appointed a tenured civil servant.
Of course, equity will continue to be saved.
We would pay off the cars, but then we could not secure the land.

Is this plan sensible?

Thank you in advance.

Ps: The bank would have liked to give us a 50,000 € loan, but we did not want that because of the land registry entry.

A car financing is rubbish because it applies FOREVER. Or do you want to drive your cars for the next 25-30 years?! Even if you keep driving the vehicle after the financing, repair costs will then arise...

You can submit a building application and build later, however, you should know the deadlines exactly.

car financing is rubbish because it lasts FOREVER. or do you want to drive your cars for the next 25-30 years?! even if you continue to drive the vehicle after the financing, repair costs will then arise...

you can submit a building application and build later, but you should know the deadlines exactly.

We know that, which is why an amount is still saved after the financing for the next car.

The deadline in ND is 3 years and can be extended by another 3 years.

I agree with the opinion of PAYDAY.

What do you think how much prices will increase?

With a property purchase you are inflexible ... what about children, when will they come? Can you still afford financing then?

The construction ancillary costs will not be sufficient, just read up on this here in the forum.