Is house construction financing possible? - Fully paid-off house

Or close the loggia above? That should be enough for a mini office.
By the way, I find that pretty nice

Hm. Actually probably not quite easy. An extension on the ground floor to the living room (e.g. conservatory) requires the neighbor's consent, as distance zones would be violated here. The building boundary is probably also exceeded, but maybe this will be approved with the neighbor's consent. I also see the loggia on the upper floor as a good option. What kind of rooms are behind it? Only one or two? This/these room(s) could be enlarged and then possibly partially divided. Would you like to share the floor plans with us? Honestly - you put a lot of effort into the garden. This effort will hardly be rewarded when selling, as the square meters of garden and living space count for the price.

Now a different question:
Our current house is from 1971.
Heating and windows: new 2007/2008
Bathrooms new 2014
All walls, floors redone
(That is laminate/tiles, wallpapering) 2014
What the previous owner did besides the windows/heating, I unfortunately don’t know. Copper is used for the water pipes.
Electricity: there is a fuse box with an RCD in the basement and numerous individual fuses.
Do I have to worry about anything in the next years/decades except the roof?

According to the energy certificate, the house has a value of about 130 or 140, and only insulation of the exterior walls at floor level or something similar is recommended.

If the old heating pipes and water pipes have never been replaced, is that a problem?
Otherwise, according to friendly craftsmen, the house also seems solid in terms of construction.

Thanks in advance!

Old heating pipes are not a problem, as the same water is always inside, i.e. no corrosion or limescale. Water pipes depend on water quality (hardness). The electrical system sounds good, as long as at least one RCD is installed.

Honestly - you put a lot of effort into the garden. This effort will hardly be paid off when selling, as the price is determined by the square meters of garden and living space.

Nope. At least in the Düsseldorf area, visually well-maintained houses and gardens significantly increase the price. These houses also never stay on the market for long.

But I agree with you: the banks hardly value it a euro higher because of that. But then that is less the seller’s problem.

has anything happened in the meantime? Maybe our approach will help you a bit?! We are in a similar situation. The house would be paid off in 4 years, but we have already found a plot of land and have been financing it for over 2 years now. We ultimately proceeded as follows. First, we had several construction companies prepare an offer for a house according to our ideas. With buffers for upgrades, additional construction costs, and possibly other expenses (additional furniture etc.), we then calculated an amount. Afterwards, we created an inquiry via Immoscout in the property selling section. Immoscout forwarded your inquiry to 3 agents. We arranged meetings with the 3 different agents; they came by and really examined the house down to the smallest detail. One gave an immediate assessment, the other two sent us a “possible” exposé including valuation (and a detailed explanation of how they arrived at the price) a few days later. Our house was valued significantly higher than I had thought! Then we took the average of all 3 assessments, deducted a small negotiation amount, and calculated how much equity would remain for us in the worst case if we sold. We are ready, me in my late 30s and him in his early 40s, to take out another financing and sign the contract with the construction company in 3 weeks.