Improvement tips for financing plan -> how is the offer

Hi,
I would like to get your opinion on the following offer or maybe you know better offers:

The land costs are 75,000 euros. Added to that is the notary fee planned at 2,500 euros, land registry registration at 1,800, and property transfer tax at 3,600 euros. That makes a total of 82,900 euros for the land.
House costs are 299,282 euros. 75,760 euros are for all incidental construction costs including surveyor, ground work, external facilities, and all the extras.

That makes a total of 457,942 euros.
From that, 5,000 euros for own work on painting, 10,000 from savings, and 10,000 from a withdrawal from a life insurance policy are deducted. That makes 432,942 euros, rounded up with a small buffer to 435,000 euros.

Kitchen and furniture will be saved separately or money is already available separately. Although I have considered putting the 10,000 euros for the kitchen into the financing and financing the kitchen itself at 0 percent over 4 years. But I think that probably won’t work afterwards.

The current offer I have:

1) KFW 153 loan, 100,000 euros, Kfw40 Plus subsidy, 10 years fixed interest, 1 year grace period, 0.50% nominal interest, 308.75 euros
2) KFW 124, term 25 years, 10 years fixed interest, 1 year grace period, 0.70% interest, 188.65 euros
3) Annuity loan Deutsche Bank, 25 years fixed interest, 2 months interest-free period, nominal interest 2.09%, 5% special repayment possible, payment 947.13 euros. Calculated term 35 years.

Net income 4,500 euros, ages 25 and 31

The offer is slightly older, KFW 124 is probably lower (Deutsche Bank subsidizes it) and only 2 months construction interest-free period, increase to 12 months probably costs 0.05% more

Are other loans more sensible?

100% financing with very low repayment - as if you had a choice.

What do you do after 10 years when the KFW components expire and hardly anything has been repaid?
How is the income distributed - if kids come, the rate quickly makes up 50% of the salary and after 10 years the burden goes up again.

Phew, I'm not really a pessimist, but that's really cutting it close.

How large is the plot of land and where is it located? Fully developed or partially developed? €435,000 with a small buffer plus X for kitchen and furniture? Then I am somewhere around €460,000-470,000 depending on the kitchen and the quantity and quality of the furniture? Which again raises the first question, how large is the plot and the actual house? At that amount, I find two times 10-year fixed interest optimistic or a bet? Especially 2* KfW should then be in second rank compared to the 25-year loan which anyway has to run for 35 years?

Do I misunderstand or was something mixed up? Kfw40+ must meet special conditions. Special, not exactly cheap conditions. 300k for the house, is the house that small?

Hi,
Income is distributed as 2500/2000, children are out, that is biologically not possible for us.
What do I do after 10 years? After 10 years, with the KFW loans there is an outstanding debt of a total of 90,000, meaning 60,000 will have already been repaid. Therefore, after 10 years I would look to set both loans for another 20 years.

The plot is 720 sqm and located rather rurally between Zeven and Bremen, but not a tiny mini-village, infrastructure is well available. Price per square meter is 98.50€, partially developed, about 3000€ sewage fees are still to come, but these are already taken into account. It is a new development area.

25,000 are currently being saved additionally for kitchen and furniture, by the planned start of construction in June the 25,000 will easily be there, I am aiming for April next year as the target to reach this.

"Especially 2* KfW would then be in second rank compared to the 25-year loan which anyway has to run 35 years?"

I do not understand that sentence.

The "place" is 134 sqm, KFW40+ standard (heat pump, photovoltaic system with storage), basic house cost was 275,000€, the 20,000 on top are some changes and already existing upgrades. Viebrockhaus is the general contractor. Probably cheap because of northern prices.

I did some calculations, am I making a mistake? Remaining debt after 10 years €90,000. Can I adjust the repayment rate during a prolongation? If I have an interest rate of 5% after 10 years, a repayment rate of 3%, the remaining term is just under 20 years with €100 more. In my opinion, that is manageable after 10 years.