Is financing feasible? Single-family house 155 sqm

Stop worrying about it. It almost led me to a mild depression, thinking too much even though despite installments, private health insurance, and other costs, we regularly have between €1,500 and €2,100 left over per month. Even if it is easily manageable every month, if you think too much about it, you eventually believe it is not doable, even though you actually know that it is.

What about the architect fee? Earthworks 20,000 for a house with a basement? Bargain, if that works out. Although I think it's bold to assume this amount without a soil survey... Outdoor facilities 15,000 – it really depends on what you have in mind.

The architect is included. No additional costs.

Earthworks of €20,000 are completely realistic. A soil survey is available! Why do you assume we don't have a soil survey?

We even want to finance the outdoor facilities over the course of the year and do them step by step. Therefore, they are not included in our financing, but we are still considering it. By saving within 1-2 years, we could then afford this gradually.

You, do you know what I find really unfortunate? I absolutely don't wish you any harm and I believed from the beginning that you could do this well - yet you constantly respond like a sassy child who wants to defend themselves! Very few people here have a soil survey done or even get an offer for the earthworks before concrete building plans, especially not if the notarized certification apparently isn't supposed to take place until August (?). If you already have all that: great! But since you anyway believe that you already have full clarity and that everything is settled with the price, all I can do is wish you much success!

You, do you know what I find really unfortunate?
I absolutely don't wish you any harm and from the beginning I believed you could handle this well – still you constantly answer like a sassy child trying to defend themselves!
Very few people here have a soil survey done or even an offer for the civil engineering work before concrete construction plans, especially not when the notarization apparently isn't supposed to take place until August (?).
If you already have all that: great!
But since you anyway think you already have full clarity and everything is settled with the price, I can only wish you lots of success!

That was not meant that way, sorry!

I definitely also told too little about our current situation and construction planning phase, so you couldn't have known everything. It’s simply because we only wanted an assessment from your side regarding the repayment amount.

Yes, in many respects we are certainly not like the average

I also think that these offers and the soil survey are present in few cases at this phase.. You are completely right about that!

I am just pretty sure, as I said, that due to our current planning we are on the right track cost-wise here.

Sorry again for the answers, it really wasn't meant that way, I tried to represent my point of view

that you appreciate it all the more the more you have saved for the house construction and especially what you have done yourself in the house.

That's why I am also so happy for that the children were already able to participate in the experience of doing their own work.

If you negotiate well, you get it in business immediately after completing the study requirement and not only after three years....

Again: Of course you can negotiate your starting salary well in business with some skill and the appropriate qualifications. But what I have never ever heard is that in the private sector a 23-year-old career starter (I simply assume this based on age + study time), regardless of his actual performance, concrete practical skills, and soft skills, is guaranteed a higher classification every year in the job allocation with the same AKV.

Yes, I had such a contract in the private sector. Off-tariff (OT) of course.

OT as a career starter? How did the works council comment on that?