Land purchase of 319 sqm for 191,000 euros and house construction realistic?

You and your painter's fleece always. Painter's fleece doesn't magically create a textured Q2 on Q4, not even on Q3. What you see in Q2 with grooves without fleece, you also see with fleece. Moreover... it can't be stressed enough... for a layman in EL, it's an enormous effort to wallpaper a single-family house with easily 400-500m² with painter's fleece. I more or less went through it alone with the help of a buddy from the trade and it took me several weeks for sanding, filling, sanding, priming, painting 1-2 times (ceiling 2x, colored walls 1x white, 1x color, white walls 1x white). The intermediate step with painter's fleece would have taken another 3 weeks for sure... you tend to forget that you don't do this daily and therefore need more time than a professional painter.

The few cracks that the fleece bridges. Knauf Uniflott on it, paint, done.

Sure, if you have all the time in the world. But who does right before moving into a new build...

I see it similarly. Even if you have craftsmanship experience, you are working on a house besides your job for months, more likely even longer. If you have active support from family or very good friends, of course it can go faster. But the same applies here: they have to be skilled and really like you. It might work with the father, less so with the cousin, and the brother who moved away will hardly be of help.

This won’t work, unless you want to live like a low earner for 10, 20 years. Especially since your calculation doesn’t include furniture, no kitchen, no outdoor facilities. Come on. 2,000 EUR for the garden? 2,000 for a fence? You barely get the necessary tools for that, let alone material. Why no construction period interest?

Well, you won’t be able to travel long distances with a child. Otherwise, it’s not that bad to slow down for a few years before the partners’ total working hours can be increased again. That’s why it makes sense to stretch the financing far into the future and create some breathing room for these years, also through suitable liquidity reserves. If the kitchen is actually missing, then it absolutely must be integrated into the calculation. That’s of course a major mistake. You can still overlook furniture if necessary. If the demands are not that high, you can also take a lot with you or occasionally get something cheap second-hand here and there. In an emergency, there are inexpensive furniture options at Ikea. But the kitchen in the house is one of the most important components and should please you for years, if not decades. A house without a custom-built kitchen is not a house....

Hello everyone,

Otherwise, I assume that in new construction all safety-relevant things (i.e. electrical work, water pipes, heating pipes, etc.) must officially be done by a professional. The bank will most likely want to ensure that the value of the house remains stable. That will not be possible without invoices for all critical work. They will not risk either an uninsured fire (electrical) or water damage (pipes). At least that would be my assumption.

Regarding this point, I would like to share our experience – attention: old building renovation/no new construction – we have already spoken with the electrician and we can install the electrical wiring ourselves. As long as we leave the chases open, they accept the whole thing and assume liability. This means it will also be properly insured. They do this regularly and the company benefits from us sourcing the materials from them.

What I want to get at is that some companies are fine with owner participation, but of course you can’t count on that.

Best regards

Doing it yourself would definitely be doable: filling and sanding, painting, wallpapering, laying floors, and tiling

That takes months and is that challenging? It's not about much more than that. Many people do that themselves.

A quick note on painter's fleece. It comes in different quality levels (mainly surface weight = thickness). The 50g/m² stuff really only serves for possibly bridging cracks. We had 135g/m², and as far as I know, it goes up to 180g/m². You don’t need to fill much anymore, and it covers grooves very well. Just sand once so no pimples show through, and after that, you have a wall as smooth as a MrX butt (not that I know him, but I guess you don’t have any calluses there). And the effort to stick it on is rather less than sanding and filling twice and priming (which you then don’t need either). I would also say that painting is easier afterward. I have the direct comparison because we sanded and filled upstairs and had painter's fleece downstairs.

regarding the attic conversion. The three of us did it. Me, my father, and brother. None of us are craftsmen. My father has experience from building his own house. For the underfloor heating, the uncle (trained heating engineer) helped and procured the necessary tools. Screed and plastering of the interior walls were subcontracted. The whole thing took 1 year. But we didn’t really work upstairs every day because there was no time pressure. I would only want to lay the electrical wiring myself and have the inspection and connection done by a professional if the electrician cooperates.

I have planned the kitchen as I mentioned in my original post or am holding back money for it. The furniture comes from the apartment into the house. We still have the children's room furniture from my wife in the basement compartment, and I still have a couch + cupboard from Ikea in my parents’ basement. Basically, we only need the kitchen.

"€235,000 + €28,500 Riester for the house/land, €15,000 kitchen and €15,000 reserve for emergencies, etc."

I am open about how I approach the house. Currently, I would go to an architect and want to do performance levels 1-3. Between levels 2 and 3, the dough rest comes in after . We found nothing in the catalog houses that fits 100%. We want a simple house without extra dressing rooms and countless bathrooms. Because the budget is not unlimited, I see this as the best way to get the most out of a small sqm.

Then contact various house providers and request offers.