Land Costs - Building and Financing a House

I agree with Steffen, however, that €20,000/24 months is only an average of €833. It may also be due to the salary increase that more will be possible in the future.

However, unless additional savings were made, one would actually have to subtract the depreciation of 2 cars, since they would have to be replaced at some point. Thus, effectively only around €400-450 are being saved.

Let's roughly calculate with total expenses of €350K and equity of €40K, which makes a financing amount of €310K. Multiplied by 5% annuity = monthly rate around €1300.
Additional incidental costs of around €300 make a total burden of €1600.

Free budget was €1200 + rent including heating and electricity €800 = €2000.
Minus reserve for replacement of 2 vehicles €400/month.
We arrive exactly at €1600.

But there is zero room for maneuver if a saving rate of €1200 were possible.

House 120-130sqm for 180,000 EUR move-in ready (not just turnkey!!!) is also unrealistic. Expect 1,600 EUR per sqm for standard.

Depends on what you consider standard.
I am currently building in the Harz near Wernigerode. 1.5 floors, 160sqm, solid construction, clinker brick

House 120-130sqm for 180,000 EUR move-in ready (not just turnkey!!!) is also unrealistic. Expect 1,600 EUR per sqm for standard.

As an example: I am currently building, 1.5 floors, solid construction, clinker brick, decentralized ventilation, no KfW schemes, gas heating with solar, no fireplace, the rest is really standard, the roof tiles glazed, only 1 roof window, 9 times 2-meter-high windows, all triple glazed, turnkey I should be around 200k without land. Just the house connections alone cost 11k.

One more small note, the price with me includes kitchen (7T), a bit of exterior work (5T)

Depends on what you consider standard.
I am currently building in the Harz near Wernigerode. 1.5 stories, 160sqm, solid construction, clad with facing bricks

as an example: I am currently building, 1.5 stories, solid construction, clad with facing bricks, decentralized ventilation, no KfW gimmicks, gas heating with solar, no chimney, the rest is really standard, the roof tiles are glazed, only 1 roof window, 9 times 2-meter-high windows, all triple-glazed, turnkey should put me at 200k without the plot. Just the house connections cost 11k.

“Should” or already finished?
Outside costs for proper parking spaces and terrace, garage (if you don’t like scraping ice, for example), etc. can also make such a building project much more expensive apart from that.
And apart from that, it seems little to me; maybe doable if you really take the “cheapest” everywhere. When I look at my invoices, what a bit nicer facing bricks than the cheapest standard ones alone cost me, or what the tile setters got, and the shell builders; hard to imagine.

And if the terrain is not quite level or the ground is not optimal, that quickly adds a good chunk on top..

"Should" means if I stick to the plan and do not deviate in the direction of taking something better after all. For the shell roofed structure, I spent 74k, and not always the cheapest. Roof tiles - glazed clay tiles. The roof truss completely made from dried planed wood, partly laminated wood. Facing bricks planned at 0.66 each from Wienerberger, not the cheapest. All windows triple-glazed. What can really drive the price up is the interior equipment. Here you have to stay reasonable and negotiate. No special "energy-saving" heat pumps, no KNX specialties and electrical switches with glass cover in the electrics, no super wooden flooring for 150 euros. Instead of spending 30k on a garage for the company car, I stick to "scraping by", which is not unhealthy anyway.

What can really drive the price up is the interior fittings. Here you have to stay reasonable and negotiate. No special "energy-saving" heat pumps, no KNX specialties and electrical switches with glass covers in the electrics, no super wooden flooring for 150 euros. Instead of spending 30k on a garage for the company car, I stick to "scraping by", it’s not unhealthy either.

Well, now you’re really stretching it. A small standard garage as a prefabricated unit also quickly costs 7k, and a paved parking space, a small terrace, and a few steps here and there add up more than you think. You don’t want to trudge through mud in the rain. 0.66 per piece for bricks is now on the lower end (at least in my region; I would basically only get standard red ones for that). And in the interior fittings... nothing is more annoying than later having no socket somewhere, no internet or no TV cable. Of course, it doesn’t have to be the most expensive, but everything should also be durable enough, and you mustn’t regret it afterward. Maybe better stainless steel edges instead of plastic and so on.