Land and home financing - together or separately?

Why do some people need a 350sqm villa? Maybe there will be more children, or everyone gets their own office/hobby room. If the 170sqm doesn't work out in the end, then it just doesn't.

But with more children your house of cards collapses. Because that means another year of parental leave with 1,800 EUR (in reality even less, because of the progression clause) instead of 4,000 for your wife and afterwards, with 2 children and a 170m² house, you can completely forget about 2 full-time jobs for several years. Especially if your wife wants to reach the realms of >100k gross/year and be paid accordingly according to AT. I don’t know a single AT employee here who goes home with less than 45 hours/week.

Many also underestimate primary school. Classes run from 8:00 to 12:30. Then the little one is back home... but work continues until 17:00.

We have received the following offer for the property today:

Loan-to-value 90%, €245,000 at 4.5% effective interest rate with a term of 20 years.
What do you say?

With a constant interest rate level and all funding programs, we would ultimately reach a total volume of approximately €900,000 with a rate of €2,700. Repayments between 2 and 3.5% depending on the option. Fixed interest period between 10 and 20 years.

We have received the following offer for the plot today: Loan-to-value 90%, €245,000 at 4.5% effective interest over 20 years. What do you say?

And with that, you have also committed yourself to the bank for the house financing the plot

And with that, you have also committed yourself to the bank for the house that is financing the property

We are definitely aware of that.

And with that, you have also committed yourself to the bank for the house that is financing the property

We are definitely aware of that. The goal would then be to take out a maximum of another 50-100k for the house from the bank.

An alternative would now be a variable financing, which should be around 5%, right? + the risk that interest rates will continue to rise. If they really rise another 0.25-0.5, the advantage of the flexibility would probably disappear quite quickly, wouldn't it?

Have you also factored into the loan installment that you have to repay both the loan from the Wl Bank, as well as the KfW, and the interest-free private loan? Ultimately, you only have 100,000 EUR yourselves, meaning you have to somehow finance 900,000 EUR because with an NH 40 house of 170m², the 3,000 EUR/m² will not be enough.

I don’t understand either the Wl Bank loan, the KfW, or the private loan as if you are getting the money for free. You are "only" getting an unbeatable low interest rate of 0.6, 0.01, or 0%.

PS:
Just to repay the interest-free private loan of 100,000 Schurken in 15 years, you have to come up with 555 EUR per month.