I am sometimes really speechless when I read such threads. Did I understand that correctly, we are talking about 4,600 EUR net household income + 500 EUR rental income? 720 EUR remain "only" for leisure? I know people who have that after deducting the cold rent for the month...
I would be happy to get assessments on this
Painter 10k? Do it yourself. Leave out the photovoltaic system, definitely the storage. Leave out the garage, you don’t need it. Cars are built to stand outside in wind and weather. If money is left over, build a carport.
Then you have 50,000 EUR more in hand.
Don’t take it the wrong way or misunderstand. But I don’t understand how you can be afraid of going broke and then treat yourself to a painter, photovoltaic, and a garage... Finish building the house so you can live in it...
Give up now and sell everything? I thought about that too, at the beginning of the year, when suddenly 50,000 EUR more was on the clock than calculated. You will fall over what the bank alone demands from you as a prepayment penalty if you want to repay the loan in one go...
And what will you do with the shell then? You say the land belongs to the family... are you allowed to sell it? Should the shell remain and decay?
PS: And you probably already have contracts with the tradesmen? They also want money from you if you cancel. Because even if the craftsman is fully booked, he had to reject another job for your order. This causes him real damage, which he absolutely wants to be compensated for.