Is financing a new building feasible?

Phew, that was already a year ago. We've been working on our construction project for a while now. I don't have everything in my head right now. I'll give it a try.

100,000 € KFW, the two KfWs at the interest conditions back then
--> Remaining debt after 10 years is around 80,000€

146,000€ over 10 years at 1.8%
--> Remaining debt then about 89,000€ I believe (by then about 70,000€ saved through the building savings contract and then the interest on top of that)

154,000€ over 10 years at 1.8%
--> Remaining debt then around 110,000€ and will be paid off by the building savings contract, which we had made immediately ready for allocation with 50,000€

The two BVS then start at 2.65% interest. If the interest rate level is below that by then, we can gratefully take the money from both and request a classic follow-up financing.

How high was your payment rate? Similar to ours? Did you pay off both directly, that is, the building savings contract and the loan?

We currently pay: 584 € into the one building savings contract The rest goes towards the interest payments on the two large loans and the repayment of the KfW loans. This amounts to 1400 € per month for us. Until the end of the year, however, we only pay 1200 € because we set the KfW loans to be interest-only for the first 2 years. After the end of the loan, we will then pay 1200 € plus the loan for the KfW residual debt, if we have not fully repaid it by then.

Well, expecting that probably makes very little sense. The costs depend too much on the vehicle and usage. Our two cars cost no more than €200 each per month all-in.

Including insurance, taxes, depreciation, inspection, repairs, fuel... May I ask what cars they are, how old they are, and how much you drive approximately per month?

My wife drives a Hyundai, 3 years old, mileage 7,000-9,000 km, costs 600 EUR sales price and just under 60 EUR taxes per year.

Since I am a car mechanic myself, I do upcoming repairs and inspections myself.

I drive a company car at no cost, only accounted for via the 1% rule.

Ok, if you ignore the depreciation, you might get by with 200.-, but otherwise definitely not...