Is land and house construction possible with our income?

At least include your parents, otherwise it will be very difficult. If your girlfriend can also be included, it will be even more relaxed.
Additionally, you are still on a fixed-term contract. The bank may not care that you will be on a permanent contract in 2 years or that other salary increases "threaten." The current status will be taken.

Then I doubt that you will get a house + land of that size for the price.
And regarding the standard and lack of demands. I would also describe us as undemanding, yet in total it probably ended up being 15k more. Simply because the standard really looks so outdated or is positioned at the very bottom in terms of quality.

At least bring your parents in, otherwise it will be very difficult. If your girlfriend can also be taken into account, it will be even more relaxed.
On top of that, you are still on a temporary contract. The bank may not care that you will have a permanent contract in 2 years or that other salary increases "threaten". The current situation NOW will be taken into account.

Then I doubt that you will get a house+land of that size for the price.
And as far as standard and being undemanding is concerned. I would also describe us as undemanding, yet in sum it still became about 15k more. Simply because the standard really looks so unbelievably bad or is located at the very bottom in terms of quality.

It will not only be very difficult but not feasible. The temporary contract is still there.

Best to talk to the local bank and casually ask what would be possible. There is nothing wrong with that. Just please don’t let them talk you into a building savings contract...

I think that about 40,000 can be saved on house costs because all the technology is included in the price, which I can get myself from the wholesaler with very good discounts, reliably and with an invoice.

Is this saving potential at this level realistic for you? It seems very high to me.

Ok, so according to my research, the plot of land is fully developed and, including taxes and fees, costs about €100,000. Everyone can probably imagine from which reputable company the house comes. The offer is really unbelievably cheap, so after reading many reviews, I have calculated an additional 20%, which, according to various statements, should be realistic.

So far, so good...

What about my calculation regarding equity? Is €50,000 a realistic amount?

What loan amount do you think is feasible for me alone?

What amount together with my parents?

I definitely do not want to be sold a loan that is nicely calculated.

A colleague’s bank (with the same salary) granted him 110% financing for a 35sqm apartment (€260,000) in Munich without equity.

I definitely want to avoid something like that.

Is this saving potential at this level realistic for you? It seems very high to me.

Unfortunately, I can only say that once I get a detailed list of the installed materials. In principle, I can say that I can get everything for much, much less than the regular price. As an example, I can mention: Solar 10 sqm tube collector including buffer tank, pump, and all connection materials for €2200 (I have already installed it like this once, so I know the price for sure).

As I thought:

This is an offer from Massa Haus:
INCLUDED IN THE OFFER:
- This great designed energy-saving house on a slab
- incl. F R E E S P A C E - ceiling height 2.75m
- incl. plot of land
- incl. heating installation
- incl. solar system and controlled ventilation with heat recovery
- incl. sanitary installation
- incl. electrical installation
- incl. staircase installation
- incl. architectural services
- incl. ground investigation
- incl. blower door test
- incl. construction performance insurance
- incl. builder’s liability insurance
- incl. residential building insurance
- incl. fire-shell insurance

Only the finishing work and additional construction costs are added.

Top offer: basement for an additional 9,999 EUR with this offer.

Over 100 different house proposals, which can still be individually planned. You can choose from different expansion levels.
.......................

I again:
Added to this are the land as well as additional construction costs, painting and floor coverings, and the outdoor facilities.
Additional construction costs estimated at 40,000, painting/floor materials 10,000+, paving 7,000, garden 5,000...

But whatever: fixed-term contracts don’t get a loan.

You are still young, so wait a few more years
There are also ancillary housing costs with ownership, which from a bank’s point of view is not feasible with one salary, even if the contract were permanent.

Brief regards