House Planning - Cost Planning and Initial Assessment

- On the 250 m2, am I then opening a museum for "unused, beautiful rooms"? Over 160 m2 is certainly debatable – but anything beyond that seems a bit "too much" to me

The attitude is sympathetic to me, but with that you fall far short of the "expectations" of the majority. Average earners here mostly assume between 160 and 180 sqm.

140 sqm is too little ... you earn so much and are so young, in a few years you will notice that it is too small for you ....

Especially with above-average income, I would worry little about rebuilding in time for the enrollment of "Child I" and already existing "Child II". In anticipation of "Child II" the case is somewhat different, financially less so, but in terms of stress level one would prefer not to build again.

In the TE’s situation, I would now also look for around 160 sqm and then upgrade later. After all, in your mid-twenties you are still young in ten years and can take on the adventure again. I find that better than carrying along still unused rooms. 160 sqm (even including a technical and storage room) is not immediately too tight with the first child. Living in a castle as two people wouldn’t occur to me.

We have now made progress:
We have checked with our main bank for a volume of €700,000.
The whole thing for €2,100 (2% amortization) monthly installment with a fixed interest rate for 20 years - that suits us very well.
As soon as we find the right architect or the right company - we can get started quickly :-)

If anyone has provider tips for the region Regensburg/Kelheim
:)

The property is already available, right?
That's quite a budget
You really have some room there
Still stay true to your line.

Have fun

Well, that sounds like you are already satisfied with the financing :-) that's nice! Then good luck with the next steps

There will be more than 140 m2 anyway;)
You can afford that. With a garage, nice fittings, and just under 200 m2, you will end up around 800-900k.
Assume 2500€ per m2 in [BY] for standard.

Phew, your back payment on taxes will also be quite hefty on the rental income ;)