Land and home financing - together or separately?

How do you want to pay installments of about 3k?

Can you both work 40 hours full-time when the eldest goes to elementary school? This is not a joke. Here (Saxony-Anhalt) there is an after-school care that looks after the children until 6:00 pm, this is by no means the case everywhere. I have colleagues in Bavaria (the paradise of prosperity on earth) where the children are sent out the door at 12:30 pm, the teachers go home, and the full-time worker has to figure out how to take care of their offspring for the 4 or 5 hours until they finish work and can pick up their children...

I don’t understand the whole discussion about our income right now. Until the loan with the WI Bank is approved, the income will be reduced to the maximum allowable amount. That should be about €5000 net + €250 child benefit + €250 Bavarian allowance. As soon as the matter is settled, there will be about €7200 + €250 child benefit. Does anyone seriously want to tell me that you can’t cover a €3000 installment with that? In an “emergency,” we’ll include one or two repayment-free years at the beginning.

Regarding the QNG issue, in the worst case it will go in the direction of Weberhaus Citylife 405 Eco. €390,000 for 160 sqm.

We will talk to our financial advisor in the next few days. Possibly we will finance the land completely (except for incidental costs) and work with the following components for the house:

€100,000 KFW home ownership program €150,000 KFW climate-friendly new construction €220,000 WI Bank €100,000 family loan €100,000 or less from equity

I don't understand the whole discussion about our income right now. ....

You receive Bayerngeld and want to use a funding program from the Hessian state government. Isn't that contradictory?? Is it really that easy to increase the salary again at WI-Bank after a successful application? The expected salary for the next 12 months is also requested in the application. No idea if they check that again afterwards somehow...