Is the financing plan realistic?

Regarding tiles, parquet and outdoor facilities I have found the following.

"
> Floor coverings up to 20 Euro/sqm
> Tiling work for 20 Euro/sqm up to 30 x 60 cm format
Outdoor facilities (terrace as well as the access path)
Garden house (approx. 4 m²)"

Also:
"
Purchase contract / construction description / annex to the construction and performance description / house drawings
cadastral map - site plan and other relevant documents form a notarial contract which must be notarized by
the incumbent notary.
- The buyers do not become immediate owners of the property upon signing the notarized contract!
Only after the services have been rendered by the seller through Zug um Zug (construction progress) and corresponding payments
by the buyer is a change of ownership registered in the land register (protection against insolvency of a developer).
- Through the priority notice of conveyance and conveyance the buyers, from the signature at the notary appointment,
are entered in the land register as provisional owners and secured for the registration in the official land register.
Thus, the buyers are not builders of the property/house and do not have to be liable for any damages or complications
during the construction phase, from the soil survey to handover.
- Due to the real estate agents and developers ordinance the buyers may and cannot make advance payments
because the developer must prove the respective construction status (progress). The invoicing
(achieving a construction progress) only takes place after the corresponding services have been rendered.
- Payments are made by a "Zug um Zug" invoicing according to the real estate agents and developers ordinance in 5 installments.
- The last installment is 20% (15% construction progress report + 5% security retention or self-debtor
guarantee of the developer) of the total purchase price. The 20% only become due upon complete completion
of the house > This means you have a high security for timely handover and defect-free handover.
- The handover is scheduled after a joint preliminary inspection with the construction manager.
- A written handover protocol is prepared for the handover, which must be signed by both parties.
- Warranty after handover: 5 years according to the Building Code.

Hello,
It needs to be clarified whether you will become property owners or only partial owners according to WEG.
If a part of a house is bought "off the shelf" by many, then the incidental construction costs will probably be included, at least connection costs and surveying are in the offer. What about earthworks and so on, that should also be inquired about.
District heating... what does that mean? Do you have your own heating?
Costs definitely still need to be planned for possible carport, kitchen, layout changes, lawn, planting...
Everything that is dashed in the drawings (DG) is special equipment – this also applies to the roof windows.
What is often additionally selected and will significantly affect the costs are higher-quality finishing strips in the bathroom and baseboards, more extras in electrical (satellite dish, LAN connections, wall outlets, sockets, etc.), more modern design of fittings and sanitary ware (special equipment can often be seen in the photos), higher-quality shower enclosures, etc. The costs of special equipment should be asked about in advance.

I can’t say anything about the costs there, but the pictures show a fully concreted floor on industrial premises (outskirts?). It would be interesting to know how the soil survey turned out and how the area was used before!!!

Your equity is not significant, the savings (25,000?) will go toward kitchen and incidental purchase costs. You should keep the rest.
Saving €400 monthly for vacation is a nice idea, it also shows your priority.
We spend a quarter of that per year on vacation.

Interested parties can look at the semi-detached house or the offer on Immonet in Berlin-Niederschönhausen. Maybe one or two more catches can still be found.

Thank you for the answer, I will call there tomorrow to arrange a viewing appointment for the show house and then ask the questions.

As for priorities, you are right. My girlfriend ideally wants to go skiing every year, I have already been able to reduce it to every 2 years.

Then go and have a look at floor coverings and tiles, I wouldn't find anything for 20 EUR per sqm. Also, does the 20 EUR per sqm refer to the tile work or really tiles for 20 EUR per sqm with the labor included.

On the other hand, tiles don't make up that much of the area, but you should really check what you want when it comes to floor coverings. 20 EUR/sqm is not even enough for high-quality vinyl. Not to mention engineered parquet or real parquet.

So we ended up with a tile price of €25 / m² - according to the tiler, the 30x60 tiles are even of good quality.

Hi,

is your partner really only going to stay at home for 12 months? Is the daycare supply so good afterward that you will definitely have a place? I would make sure that the repayment rate can still be chosen lower if needed... (there can always be more than one child ) Keep in mind that your partner might not return to full-time work afterward. We have a 20-year fixed interest rate; that was enough for us and gives us enough security.

And we also assume that we will not pay significantly more than €20 / m^2.