One calculates:
Plot plus incidental purchase costs
2500€/sqm
30000€ outdoor facilities.
Construction incidental costs 50000€
Basement 80000€
I’m also at 550000€ including the plot
but you can also build with a lower ground floor/living space instead of a basement.
Then the 80000€ disappears.
All just rough estimates.
But I wonder how you imagine this: Man self-employed and gets no loan, you at most 300000€, parents are supposed to stand in again for your young life, 45 minutes travel time each way for each, (gas and car costs rising), with parental leave one salary is lost, later you have to spontaneously pick up a child from daycare etc.
I don’t see any of that.
The 2500€ includes allowances, but I also have to say that I only finished training last year. Currently I work 39 hours a week, after parental leave I would like to work again at least 50%, preferably night shifts, that shouldn’t be a problem at my workplace.
You can do that: you work nights, your husband days. Each watches the children separately. In between, the day’s work gets pushed on a note to the other and the garden ends up neglected anyway.
Everyone leads their own life – eventually no longer together.
Honestly, I think you should still wait. Savings rate and what remains monthly were, I believe, different?
There would still be more to save.
Then think medium term about where your living place should be: 45 minutes travel time for both is bad. There should be plan B and C.
If Corona is behind us, then self-employment is also established so that the loan will be higher.
But not like this.
Under a salary of 4500€ almost nothing works. Except if equity or housing allowance is relatively high. All circumstances such as commuting costs, and still parental leave in the future argue against the wish.
Most here save for 10-15 years and have a salary of about 3500€, the woman then 1800€ part-time. 150000€ equity is not uncommon there.
With your rent and additional costs I wouldn’t even consider 1500 plus 400 additional costs – I would use that as long as possible, build up a savings cushion of a six-figure amount. With that rent you can bridge parental leave well too.