Is financing possible with ING?

Regarding the EL: what is problematic about firmly planning to take on something as an EL that you or your family do professionally?!

Time reasons. If my husband works full-time + NT, how is that supposed to work? Even if not everything is done on our own but as a site manager... the indicated E services we already consider the maximum.

The question you actually answered yourself. Full-time + self-employment + family is actually enough, even without major personal contributions. For me personally, full-time + family is already enough, the hobbies will have to take a back seat anyway, even without a construction site. In our case, the construction site is a bit further away, so "quickly spending 2 hours in the evening" is definitely off the table. How far is your construction site from your current residence and workplace? I infer that a bit from your claim regarding the prices. For us, it’s also the case that an apartment _here_ even without great luxury falls into the price range of a new build _there_ . But we are now talking about the comparison between Konstanz with its notorious housing market and a new build in a town of 350-400 inhabitants where the square meter costs 100€. That quickly adds up to a difference of over 40 kilometers. That’s why we will have to have most of the work done before moving in.

Ok, we are indeed now considering whether to either withdraw from the contract (clarify with the lawyer to what extent this is possible without a bank rejection) and take the route to the variable loan again or withdraw the application to the bank and increase the loan amount by the still remaining 40-50K buffer. However, this also changes the interest rate correspondingly to the worse, but this would more likely result in a rejection and we would also then withdraw from the contract. If not, then we have the missing buffer. Although I also see this as not an elegant solution... I admit the problem that we did not really deal with the thorough cost planning. I have negligently relied entirely on my husband that he really considered everything. Now I also realize that it is far from that. I can estimate all construction costs less well, but even with the interior work I am missing some things after simple research. Not even the point of interior/exterior lighting was recorded by us, which most likely also entails some costs.