Is financing for an architect-designed house possible without KfW?

Yes, financing offers are available. 2300 bank loan + 550 private loan in the first 10 years. Calculated as feasible means we can get through the parental leave with all foreseeable costs. Additionally, some banks allow reducing the repayment during parental leave. After that, full-time work will be done. An income increase of between 3 and 4% is expected. No siblings.

Yes, financing offers are available. 2300 bank loan + 550 private loan in the first 10 years. Calculated feasible means that with all foreseeable costs we can survive parental leave. Additionally, some banks allow reducing the repayment during parental leave. After that, full-time work will resume. An income increase between 3 to 4% is to be expected.

No siblings.

so it is a burden of 2,850 with 5,700 net income. Exactly 50% loan + the usual incidental costs without children.

I would seriously consider it. Part-time, unemployment, etc.

Good financing can also be managed, if necessary, with part-time work and unemployment of one partner.

50% sounds pretty harsh at first. On the other hand, there are still 2,850 left to live on. Unless two 50k cars are desired, that should be doable. What does the household budget look like? Parental leave itself is not such a drama, you can get through it. Whether both will work full-time afterwards will have to be seen in practice.

Our income is slightly higher, but we would never have dared to take on such a high monthly burden, even though our family planning was already completed in our early 30s with 2 children.

366k for a 180m² house with a massive double garage is, in my opinion, very doable, but then you still have to calculate the incidental construction costs separately OR choose a very "down-to-earth" execution for the house. However, I would then be very concerned about the discrepancy between the house price and the land price.

Our income is somewhat higher, but we would never have dared to take on such a high monthly burden, even though our family planning with early 30s and 2 children is already completed.

366k for a 180m² house with a solid double garage is, in my opinion, very doable, but then you still have to calculate the ancillary construction costs separately OR choose a very "down-to-earth" design for the house. However, I would then give serious thought to the disproportion between the house price and the land price.

Sure..everything is doable :) Even for 25,000 EUR. Just in Cuba..

What do you think is the current price per m2 for standard fittings?