Is the financing for a single-family house too tight?

As I read on the homepage, the Weberhaus houses are already Kfw55 standard, right?

That a house is KFW55 – and that you receive a certificate for Kfw55 are two different things. My house is also KFW55 – but I was certified for a Kfw70 house. KFW55 (unfortunately) also requires documentation that causes a lot of effort. For KFW70, the completed form is sufficient.

Fortunately, there is still life without Kfw55... Kfw70 works too, and other more affordable house providers also build nice houses. Prefabricated houses, especially from Weberhaus, are simply more expensive than solid house construction. The topic of basements is also debatable. A tip: don't commit too much – it makes you more flexible in terms of fulfilling dreams.

Oh man, the more you deal with the topic, the more you realize that nothing is as simple as it initially seems. I think we will first talk to a few building consultants and see what is possible with our budget.

The topic is admittedly a bit older... but I still want to write something about it.
Basically, what you earn is quite decent. Especially public service, civil servant. Not much can go wrong there, I guess.

Your calculation seems a bit tight to me.
Depending on where you want to build.
I am also from the area around KA. Slightly north. In the middle of nowhere.
And I paid a whopping 68,000 euros for a small middle terraced house plot.

The house prices at Weberhaus are very well calculated. The equipment is excellent.
And everything you want extra is communicated to you immediately with a price. No surprises await you!
But, as I said: the basic equipment at Weberhaus is really good!

The topic of the basement is a thing. Especially here in the Rhine Rift Valley.
The groundwater is very high. The soil is silty.
I can’t avoid a “Weiße Wanne” (watertight concrete cellar).
That’s an extra 40,000 euros. For 50 sqm!

So. But back to the topic of financing.
I am a single parent with two children. Public service.
I earn a bit(!) more than you – but nowhere near double. So I have significantly less money available. My equity was the land paid for in cash.
I am quite satisfied with the financing at Ing-Diba. I will pay about 1200 euros monthly. 4% repayment.
So I think, with your dual income, it is definitely doable.

I would be happy to hear from you!