Land and home financing - together or separately?

Many banks are probably currently glad if anyone at all still comes and takes out a mortgage at 4.5%, which two years ago was snapped up at 1%...

Theoretically yes, but they check much more thoroughly and the disbursement requirements are often more picky - banks are not throwing money around with both hands right now. With the amounts you have to pay nowadays, the default risk is also higher...

For the loan from the WI Bank, no other bank is needed. It goes directly through them.

I currently see no reason why any funding program should be discontinued. There are even plans to make the family support from KfW more attractive.
Also, there are more and more discount promotions from the prefabricated house providers. I'm curious to see where this is heading. In the worst case, there will just be a bungalow with 120 sqm.

Currently, there may be no reason for this, but looking 10 or 20 years ahead, such things are very hard to estimate. If I had said at the beginning of 2018 that in 2 years a pandemic would break out in China, leading to massive restrictions of fundamental rights in Germany, schools and daycares closing for months, relatives being prohibited from visiting their seriously ill family members... nobody would have believed it... If I had then also said that 2 years later Russia would invade Ukraine, Ukraine would repel the attack, and we would supply Ukraine with some of the most modern tanks... people would probably have committed me... In 2019, it was still said that interest rates would never come back. That wouldn't work at all because everything would collapse.

By the way, a bungalow is not cheaper than a gable roof house. More expensive foundation, more expensive roof.

You should avoid stretching the loan you are now getting quite cheaply to the limit. Because it can go no lower than 0.6 or 0.01%. The follow-up financing can therefore only get more expensive. And it's also not certain that all of this will be offset by wage increases. The times of exorbitant collective wage agreements are probably over for now.

Yes, you are right. That is why planning should start as soon as the property has been acquired.

A 10-year fixed interest rate with the KFW is indeed not much. Therefore, the remainder should definitely run for a longer period.

I currently see no reason why any funding program should be discontinued. There are even plans to make KfW's family support more attractive.

People with KfW40 houses thought the same almost two years ago. It was supposed to be only the end of KfW55, what does that have to do with the 40s, and shortly before that the funding was increased again... And when we talk about more than 2 years, we also talk about a new government. Who knows what today's words will be worth then. Annoying but not too bad if you only take the funding. Catastrophic if the financing is so tight that you cannot build without the funding.

And if we are talking about more than 2 years, we are also talking about a new government. Who knows what today's words will still be worth then.

That's true. That's why it might start as early as spring if the framework conditions are right. A construction summit with Geywitz, Scholz, and others was just announced in the Tagesthemen.