Is building a semi-detached house sensible despite low equity with a long loan term?

Have you compared the prices online? Base cabinets are generally significantly cheaper if you procure and install them yourself.

These are already the prices from the internet. We will install toilets and washbasins including fittings ourselves.

The price is actually okay. If you only care about a level floor, you can ask if it is cheaper with a central drain or point drain. For us, the difference between side and central was almost 1,000€.

Good tip, we will check that, because especially in the guest bathroom a central drain would be sufficient.

That can get tight. Even the cheapest paving costs 5-10€ per sqm and that's just for the stones. In addition, something has to be done on the base, curbstones have to be set, etc. We are doing that in EL as well and have budgeted 5,500€... about 100sqm.

Um, yes. I messed up there. Of course, contrary to the list, I did not include the lawn edging stones/L-stones nor the paving for paths and carport in the price... According to my Excel list, another 2,200 euros will be added.

Were tiles standard there? I actually only know of getting a credit if you choose vinyl instead of tiles...

Yes, tiles are standard in the hall and kitchen. It is actually a credit which was offset against the additional costs for the overall flooring. We want vinyl instead of carpet/laminate in the living rooms; additionally vinyl instead of tiles in the hall and kitchen. The latter brings savings of about 1,300 euros, the former is an additional cost. The difference between the extra cost for vinyl and the tile credit is 260 euros.

Something else that comes to mind spontaneously: a central control for roller shutters would be sensible with so many shutters. Surely it is planned that there is a switch next to each window. Super annoying if you still have to walk all through the house in the evening to lower them. Have them run up to the door upstairs.
But discuss this with the electrician on site. You will still get an appointment for a discussion.

We would like to put Enocean actuators on the roller shutters here and then control the shutters centrally per floor and across floors. It is not yet on the list because we are still unsure how best to implement this. Actuators and switches have already been selected (especially the switches fit into our chosen Gira switch program), but since the final price is still missing, it is not on the list. We currently estimate slightly under 1,000 euros.

As I mentioned in the previous post... Some money is still missing for the sampling itself. Different doors, handles, windows, tiles (e.g. floor tile as wall tile), stairs...

Floor coverings for the living rooms, windows (including painting), and doors are already included. Tiles for the bathrooms are still missing; for the stairs we simply have to see what options are available. But we have already calculated a buffer for this. It will still be about 1.5 years before the house is at a stage where the stairs have to be installed (possible construction start is currently spring 2020).

So on the topic of financing, I don't want to say much or Max will go off again here. With such a huge sum, you have to think about it carefully because a lot can happen in 30 years, both positive and negative. And "simply" selling when it no longer fits is in most cases not possible without taking a loss. Because you usually sell out of necessity and then don't have 2 years to find the best offer and also don't have the money to upgrade or renovate the place again, etc. I've already seen quite a few kamikaze pilots around here.

On the topic of the kitchen, I can only recommend NOT going to the kitchen professional with the sum of 15000 to 20000 euros in mind. When they hear the word house, they'll try to sell you everything. From plate warmers to wine coolers. Absolute nonsense, unless you're running a restaurant. If money is already tight (as someone already mentioned, a build usually ends up 10 - 20% more expensive) you should stick to sufficient size, nice appearance, and mid-range appliances. Everything else is only advantageous for the seller. It doesn't have to be a stone countertop, wood works too.

Don't let yourself be influenced by things others have or build. You have to like it and be able to afford it. Who even needs a smart home.

So on the topic of financing, I don't want to say much else or Max will start again here. With such a huge sum, you just have to think it through carefully because a lot can happen in 30 years, both positive and negative. And “just” selling when it no longer fits is in most cases not possible without taking a loss. Because most of the time you sell out of necessity and then don’t have 2 years to find the best offer and also don’t have the money to upgrade or renovate the place again, etc. I’ve already seen quite a few kamikaze flyers around here. On the topic of kitchen, I can only recommend NOT going to a kitchen professional with the idea of spending 15,000 to 20,000 euros. When they hear the word house, they’ll try to sell you everything—from a plate warmer to a wine cooler. Absolute rubbish, unless you run a restaurant. If money is tight (as someone already mentioned, a build usually costs 10 - 20 % more), you should limit yourself to sufficient size, nice appearance, and mid-range appliances. Everything else only benefits the seller. It doesn’t have to be a stone countertop; wood works too. Don’t be influenced by what others have or build. It has to please you and you have to be able to afford it. Who needs a smart home?

I see it similarly regarding the equipment, it has to be individually suitable. However, Max won’t start again; I think the admin rightly has already spoken his "word of power," and there will be bans if the proper form is not maintained. Regarding statements about financing, maybe the OP should briefly comment; his headline "House construction semi-detached house despite low equity with long term makes sense" and the selection of the thread "Financing plan–Financing variants" suggest that useful statements on that topic are indeed wished for, and regarding the details about the house, surely great help can be given in the numerous other threads. To what extent he can also express himself, then we will all speak the same language.

however, Max will not go off anymore, I think the admin has rightly spoken his "word of power," there will be bans if the form is not maintained.

What word of power was that? And from which admin?
I hadn't noticed that anyone had not maintained the form. It is a discussion forum after all, and everyone can contribute their thoughts as long as they are not offensive.

You see, and since it was not respected (which was obvious), the respective people received their warning, and even though boundaries were crossed again, I assume that Max is over. Let's see.

You see, and since it was not upheld (which was obvious), the responsible persons received their warning, and even if boundaries were crossed again, I assume that Max is over.

Let's wait and see.

Which Max and which final say do you mean again????

I would also like to know which troublemakers there are here.

I also don’t understand why one always has to conduct off-topic "fundamental discussions" here.

Do you always have to shoot across the bow here?