House construction in the suburbs of Munich? What should we invest in?

It is rumored that something new will be designated in OSH / USH (Munich North).
The way to the owning farmer and making a contract in advance would be tactically good, but it is risky if it is not realized.

I fear that wherever there are rumors, the prices are already inflated.

I fear that everywhere rumors are spreading, prices are already inflated

You can assume that.

But even here, the early bird catches the worm. Look, look, ask, ask,... drive through the communities, talk to people on site. Go to the offices or call them. Often there are notices, or someone knows someone. We even drove through residential areas, searched for building gaps, houses that looked uninhabited. Leave nothing untried. We even got a very good tip at the building authority, because a meadow was supposed to be planned/developed (access road), later to become building land, nothing official yet, but we already had the contact of the owner/farmer.

Hi barbarossa Currently, for example, in Gilching 1400 euros per sqm of building land are being paid Insanity Aex

I just did a quick calculation for fun to see what I would have paid with a house on a 500 sqm plot. Here in NRW, there is also a 6.5% property transfer tax.

The result: ranged between pure horror, disbelief, and amazement.

Not from Bavaria, but yesterday I read an interesting article in the Sueddeutsche. Might be interesting for one or another. Since no links are allowed, I will partially quote; anyone who wants to read the entire article will have to look for it themselves.

Landkreis Fürstenfeldbruck
Vermeintliches Bauland im Angebot

Plots on Hoflacher Straße in Eichenau are being offered at low prices. Realtors advertise them as an investment for the future.

Realtors hope for hefty profits from such deals. But the municipalities warn potential buyers—they have no intention of expanding the residential areas.

Hi barbarossa
At the moment, for example, 1400 euros per square meter are being paid for building land in Gilching
It's madness
Aex

That is really madness!

And what adds to that - the structures in these residential areas are anything but "naturally grown." You have to be happy if the neighbor comes from Hamburg and not from Beijing.

Even here on the edge of Munich's catchment area, it is already noticeable that too many interests clash in the construction areas. The childless academic couple who want peace in the evening next to the family with four children (who could only afford the building plot because of the local resident model) – packed onto a total of 800 m² of land, it simply cannot work in the long run.

That’s why I praise my building plot in the countryside, which costs only about 25% of the price in the city (construction areas less than 10 km away). Almost 800 m² just for us, only one neighbor who directly borders the property, an unbuildable south-facing location, and a small creek near the property where the children can play in summer. The only direct neighbors also come from the region and are about the same age as me or my girlfriend. Even if I could – I wouldn’t want to build in the immediate commuter belt of Munich. I’d rather drive a few kilometers and have my peace in the evening/weekends.

So I see the whole thing somewhat critically. Your incomes are very good, but saving only €2,500 out of €8,000 net income is really little. Sure, one could argue that you can limit your lifestyle, but do you really want to and actually do that?? After all, you are indebting yourself until retirement and honestly, I don't believe anyone wants to restrict their whole life because of the house!!! Then children are planned, meaning one salary will at least partly (temporarily) disappear. With a 30-year fixed interest period and 2% repayment, I come to €3,000 financing costs. The additional costs come on top of that. Honestly, I don't see this as feasible for you!