Land financing, variable loan?

The variable loan for the plot is at least not uncommon, and it is rather expected that interest rates will stagnate or decline.

But you have to be aware that no one can really predict the interest rate development, i.e., if interest rates do rise, the loan will of course cost you more.

No one can say whether building (real) will become cheaper again, but I think the idea that you first secure a plot is not absurd. You yourself have already said that you can sell it again. Incidental acquisition costs, such as taxes, notary fees, are then however lost.

Was there a house with a basement on it before? Do you want a basement? Is there a soil survey? For a house, you need a soil survey anyway.

The situation has changed somewhat. The original plot is still in sight, but it will only be sold next year. We have nothing in writing but are on the list, and the whole thing also makes a good impression. However, we have discovered another plot at short notice, which is significantly better located (30 minutes less driving time per day for each of us). The plot is larger (740 sqm), costs more, and is not fully developed yet. It is currently farmland, and grain is growing on it. The road is directly adjacent, and there have been constructions nearby; there is one plot open on each side. Unfortunately, it is listed through an agent who has solicited offers, so the listed price is probably more of a guideline. The additional purchase costs are 9.7% (agent, property transfer tax, notary, etc.). We should now send an offer by email but after long consideration and calculations could not say exactly how much to offer. We have now offered €140,000 non-binding. That is almost 50% more than stated in the listing. Including additional costs, that would be about €154,000. Which is really a lot compared to the original plan. However, due to the shorter commute, we would save about €2,500/year on fuel and wear and tear. With inflation, that would be a considerable amount over 30 years. Added to that is the time saved. We still lack information about the internet connection; according to online research, it is rather poorly available. However, the municipality is apparently very committed to fiber optic expansion. I will inquire further at the municipality. We have also not been informed about a soil survey. I will ask again, but I think there is none. I would say it is a slight slope, hard to tell with the grain field on it. Maybe about 1 meter, I estimate now. I can hardly say how high the development costs will be. According to brief online research, €10,000–€15,000. But it is a long, narrow plot (short side on the road), and if the house will be built further back, I can imagine it could be more. The listing also states the following: "It is undeveloped land, but free of development and cost reimbursement charges." What exactly does that mean? The location of the plot is probably in demand, which is why my gut feeling says we will not get it. Still, I do not know if we are overextending ourselves with our offer of €140,000 because I do not really know the development costs. Thanks for your help

"It is undeveloped land that is not yet developed, but free of development and cost reimbursement fees."
What exactly is meant by that?

Not developed. This means there is no road/no supply lines/no disposal lines (depending on what applies). But you do not incur any costs (except those on the property itself).
Is there a plan for development? Without development, no building permit.

There is already a road there, the property is located directly next to it. An access route would need to be made, so a pipe into the ditch for water drainage. But the property is already located directly on the road. Electricity and water are probably already in the street.

There is already a road there, the plot is directly adjacent. An access would need to be made, i.e. a pipe in the ditch for water drainage. But the plot is already directly on the road. Electricity and water are probably already in the road.

It is undeveloped land, but free of development and cost reimbursement charges.

You have to clarify that in advance whether everything is really connected. Otherwise, there would be no need to specifically point out "undeveloped."

Would actually be a concern.

Unfortunately, we will probably have to decline anyway, as there is not really any internet available. According to calls with providers, there are really severe bottlenecks there. A regional provider offers a maximum of 60mbit DSL (minimum 30mbit according to the homepage). Other providers offer a maximum of 6mbit and 16mbit and 50mbit hybrid. We are both gamers and 100mbit should be available there. According to the municipality, fiber optic is not planned and Telekom/Vodafone apparently have little incentive to expand because the regional provider has priority. However, the latter supposedly uses Telekom lines, so I think it probably will not provide 60mbit either but only 16.