Is financing feasible or are we overextending ourselves?

20,000 euros for what? We had agreed on 2,500 euros for the terrace.

With whom did you settle that now? Here in the forum, as far as I have read. I would estimate 10,000 for 28 sqm... ok... if you get an excavator and co. for next to nothing, correspondingly less, but surely over 6,000.
In addition, there is still the driveway and something forgotten, the splash guard around the house. You can do that yourself, but it should happen promptly after the exterior plaster; otherwise, you get a brown base.

Yes, but you started the thread with completely different assumptions. Of course, if you get everything for free, as a gift, or "for a crate of beer," then that's great and it will somehow become a house.

Maybe you should have mentioned this small but not insignificant detail at the beginning.

I also noticed that some things are being presented differently now than in the initial thread.

Because tone makes all the difference. I said from the start that I would lay my cards on the table and expect decent and fair treatment in return.

I don’t see it that way now. I asked what the 350 € per car referred to, and the answer was roughly that not everyone has to drive a BMW.

A car in your price range costs at least 500 € monthly if you only want to save the purchase price of a new car. So real numbers should be used for the calculation.
Moreover, a personal vehicle suffers when doing EL. After all, it often has to serve as a supplier vehicle.
In that sense, I miss the grocery costs in your calculation and... the missing salary with the second child.

Otherwise, it should be said that the outdoor facilities and ancillary construction costs are well calculated, and your attitude towards house building is okay.
Nevertheless, there are some sugarcoatings or pushing aside of real numbers, and there can be some surprises later when the house construction has long since started and the financing is running. At the latest, when the lawn mower and new lamps have to be bought, the fun stops.

Well, the cheapest option won't be €35/m2 either. We're choosing 60x120 and paying almost €2000 more in labor costs just for installation compared to 45x45 at 80m2.

4700 net plus bonuses are probably more than 80% of Germans earn. But what bothers me more is that the 430k is only theoretical, the house is not built yet.

Maybe. But even 4700 nowadays in big cities is no longer a lot. A home worth half a million is simply not possible with that salary without enough equity. But you write that yourself... 430k+ is just way too high.

Tilers please sign immediately. We are selecting all other trades. It's like a puzzle here [yesterday thread opened], [evening already offer]. Although there are not even house plans yet. Cute

Thread opened yesterday, offer already in the evening. Although there aren’t even any house plans yet

I have you on the ignore list, but I still want to respond to you one last time.

Thread opened the day before yesterday – true, but where did I say that I only requested the offers that day? Where did I say that there are no plans? Or that we haven’t even started planning yet?

I requested the offers 2 weeks ago. The architect (yes, we invested the money for the drawings upfront) is finished. The house is fully planned in terms of layout, windows and dormers, sanitation, etc. The structural engineer is still missing. But you don’t care about that anyway, since you are just here (and in other threads) to stir things up.

That’s all from me regarding your posts. I ask you to simply stay out of it. I will no longer respond to your posts.

... 430k + is simply way too much.

Would you have a reason for that or can you elaborate? At 430k euros, the rate is in the 1250-1300 range (for a 35-year term) + additional costs. If I rent a 4 or 5-room apartment here, I’m at 1200+ warm.

The rate is fixed for 20 years. I’m not protected from rent increases.

Well, it won’t be the cheapest at 35€/m2 either. We’re treating ourselves to 60x120 and just paying about €2000 more labor costs for laying compared to 45x45 on 80m2.

I’ll ask again in the coming days how the prices change with larger tiles

I’ve also noticed that some things are now being presented differently than in the initial thread.

Well, many connections simply emerge during the course of the conversation here. That’s how it is in all forums. By now, the thread also doesn’t really fit in this subforum anymore. Regarding feasibility/affordability, I think most things have been said. I take pros and cons with me and will discuss them with my wife a few more times.

Maybe you feel like showing the current plan.