Land in sight, is house construction financially possible?

here too I can only say that Town & Country Lichthaus 152, depending on the building location, costs somewhere around 300,000 unless it’s Munich. It’s not timber frame, but a solid house in the truest sense of the word. Just to have wood, such a huge extra cost? I wouldn’t dream of it. I’ve seen it at neighbors… during construction you have to know where something heavy needs to hang in order to reinforce the walls there. So everything stays somewhat within limits, if you want…

Sent a consultation request to ApoBank today. How would it work to primarily repay the KfW loan at the beginning to keep it as small as possible, so that after the ten-year fixed interest period at <1% you’re not left out in the rain? Are there good example calculations or calculators for this?

That would be totally stupid. Better to pay off the loan with the highest interest rate first. Before paying off a 0.X% loan, I would put the money into a savings account with 3%.

Is it even possible to make special repayments on the KfW loan?

Otherwise, for the other loan components, it depends on what the situation looks like in 10 years. That means: Where is the general interest rate level, how has your income developed. Also, the interest rate difference, the amount of the remaining debt, newly saved capital, etc. can play a role. I would do it in the way that allows you to sleep most peacefully. Those few euros of difference no longer matter.

Is it even possible to make special repayments on the KfW loan?

No, at least not with the variants I know...

I sent a consultation request to ApoBank today. How would that work, initially prioritizing repaying the KfW loan to keep it as small as possible, so that after the ten-year fixed interest period at <1% you are not left out in the cold? Are there any good example calculations or calculators for that?

We have a flexible home savings plan to then pay off the remaining amount with an interest rate of 1.99%. Of course, we basically earn no interest now.