How much financing? Realistic budget?

My parents certainly do not "have to" stand surety for me, but WANT to. If your parents did not want that or if you would not do that for your children, then I am honestly sorry.

The discussion is now becoming pointless here because you do not want to think outside the box.
You have here 3 different opinions independently telling you that what you envision will be around €550k and you are still rambling about a max. of €450k including land and all-in!

Building new including land purchase is basically always equally expensive as buying an existing property and renovating it, given the same standard and region. So you know your new build prices in your area.

Go to the general contractor (GU) and have them make you an incomplete lock-in offer, that will surely help you further. So how should such a lock-in offer help you? My first lock-in offer from a GU was €330k without land 4 years ago and look where I ended up.

I think you forget that we have been collecting and passing on construction prices, developments, feedback, and information from current builders here for years.

Then ypq writes to you that a parental guarantee should be critically questioned because in some cases this can go badly for the builder even though he is not to blame. For example, in case of poor workmanship and a resulting fire sale, your parents’ house would be directly foreclosed under their behind because no sufficient money can be raised otherwise, since your proceeds are insufficient. It is commendable that your parents want to do this, but is the risk worth it to you/you all for a miserable -0.2% interest?

But everyone has to make their own experiences and that is a good thing! It would be awful and boring if we were all equally smart :)

I don’t know why one can’t just answer the question objectively.

This IS objective. We are very objective today! There are also other discussions.

but raising a child in a 50sqm apartment is probably not the solution just because you want to put money aside :D

? :eek: Are you already pregnant?

My parents certainly don’t HAVE to stand up for me right now, but WANT to. If your parents didn’t want to do that or if you wouldn’t do that for your children, then I honestly feel sorry for that.

That is, for example, not objective. Of course, almost every parent would do everything possible to make sure the child has it good or that all wishes are fulfilled. But the child also has to eventually realize that the parents also have a life and need to finance their retirement. And so one starts to finance oneself and take responsibility for oneself. This is not about saved car insurance percentages, but about one’s personal standard of living, which should be adapted to one’s own income. I’ll put it this way: at 25 and with completed apprenticeship, I had different thoughts about asking my parents for support. My pride said I could manage many things on my own over time.
If they give the kitchen or the painting work and the garage as gifts, that is fairer towards the parents.

that is unfortunately not an option since our current apartment is only 50sqm and we want to get out of here as soon as possible.

Aha… so that is the reason for the hurry – dissatisfaction with the current situation.
Everything has its value: these 50sqm that you can afford vs. 130 plus cellar, new building, which you simply can’t afford.
Sorry, but all the arguments and reasons have already been stated. If you know better, then don’t ask.

the plot is 650m2 in size We had imagined a single-family house with about 130-160m2. Thanks already for your answers. My question would still be: what do you currently consider realistic for house prices? We will probably have to build a basement, which we also want. My parents would also act as a guarantor for the bank with their house for us. Don’t you think something can be done there?

First, leave the parents out. Not for moral reasons that you shouldn’t accept help, but simply because it’s super dangerous for your parents. If something happens to you (which can quite possibly happen with self-employment and wanting children) they are involved too. Better to contribute some equity or similar instead of guaranteeing. And then realistically see what you can afford while you and/or your husband reduce working hours because of the children. And then see what is possible. 130 sqm plus basement is utopian. Strike the basement and build two floors, that’s enough and will be expensive enough. For a slope you can add about +50k directly. Is there no closer, flat plot? Commuting that long is not exactly fun either.

I had actually overlooked the support of the parents and understood it differently as follows:

My parents would also act as security for the bank with their house for us.

Oh dear... especially in your situation, where the husband has a very uncertain income due to self-employment, the parents are seriously willing to be liable with their own house? Incredible.... It is more common that parents give 5- to 6-figure sums to their children as a gift. Money that is leftover.

: Even if the parents offer that, never accept such an offer!! Take money without any consideration, or nothing at all.

Good morning,

I currently don't see any new construction there. You are the only reliable source of income; the 300k with [Hang] will never be enough. If children are added, the self-employment must continue. I find the net income as a tattoo artist with €3,000 rather low.

My parents would also guarantee for us with their house as security for the bank.

My favorite topic. If you cannot afford it, you put the parents' property at risk. If you accept it, which I hope you don't, you should insure the loan against unemployment, illness, and death. You can probably easily expect to pay around €200/month for insurance. Anything else is irresponsible.