Land purchase and house construction too risky in the current situation?

Giving advice is difficult. Everyone has to decide for themselves at some point. I would go through with it: A) Getting building plots is difficult. And it will remain difficult in the mentioned price range. B) Equity is very good. C) Income fits. D) Building prices are currently high – but: It is becoming apparent that significantly (!) less is being built (reasons: rapidly rising construction costs and increased loan interest rates). Providers are likely to have capacities available again in the short term. If you do not have a hillside property, skip the basement: That would certainly give you enough buffer.

If it is your wish to stay in the town and the property meets your expectations, then go ahead and do it now. I think that plots of land will be rather scarce in the future. The still undeveloped areas are not available infinitely. The storage problem can also be solved in other ways. I would rather do without the cellar and other frills than without a suitable building plot. And some things, except the cellar, can also be tackled later when money is available again.

Long enough that it’s no longer fun. A construction time of 10-12 months is more or less standard, with a lot of own effort rather longer. With a prefabricated house a bit shorter. Then all the appointments and tasks beforehand (finding a construction company, architect, bank, ...) We hardly do anything before moving in, yet building a house is a lot of work. I think you do justice to the child more if you don’t constantly have the construction site in your head and drive there. Children are only little once. The risk exists, but it can also be that after the first one there are no more.

I can confirm that. We practically just move in. But everything has to be checked as well, despite the construction manager from the general contractor and the external construction supervision. I am on the construction site almost every day to look at everything. After all, it’s my money that is being invested here.

can also be tackled later when money is available again.

That’s always the best saying here. :D
Easter Bunny, Santa Claus or who will deliver it then?

That's always the best saying here. :D
Easter Bunny, Santa Claus, or who brings that then?

I don't understand. If you have a surplus of x per month, then you can buy quite a bit again by multiplying x by the period = savings performance? (Garden, terrace, fences, etc.) - the important thing is to move in.

If you have a surplus of x per month,

Yeah, currently, but not if the installment is being paid… you probably have an almost million-euro project on your hands (40k€ basement :oops: ), you won’t make big leaps anymore… with kids…