Loan amount estimation

Hello everyone,
my wife and I have now decided to tackle building a house. First of all, however, we need a plot of land, i.e. we have to finance both the land and the single-family house.
To avoid completely wrong ideas, it would be great if I could get a brief estimate of the expected loan amount here.

Our data:
Age: 26 and 30 years
Married since 2009, 1 child, born in 2009
Net income: me 2700€/ her 400€ job and 184€ [Kindergeld]
Monthly installment: 1000€ definitely possible, increase over time for sure (as sure as possible), in 10 years 1500€ would be possible
Annual lump sums: 1000€ definitely possible
Equity: unfortunately only 5000€
[Riesterrentevertrag] present (for both)
[Bausparer] over 70,000€ present, but still missing 28,000€ until payout
Outstanding loans that should also be paid off with the financing: 20,000€

So that's everything I can think of for now. If more data is needed, just let me know, preferably by PM.

Thanks a lot in advance

sorry, but get rid of your debt first before you plan a house. And the standard question, why only 5000 equity when over 3000 net income is coming in? And if you want the price for a house now, information is missing. Price for land + notary + tax, incidental building costs roughly 30000 + small house without basement possibly from 140000. So from 250k upwards

Hello,
I think that I am not the first person who wants to refinance existing debts in construction financing.
Regarding my low equity, it should be mentioned that I studied to reach the net income and therefore have not been employed for very long (age: 26), and during my studies I did not have the opportunity to save much equity (no living with the parents).

I do not want to know how much a house costs but would like a rough estimate of how much loan we can get. The goal is that I can then look at which house/land we can afford.

Regards

The repayment of outstanding loans within the framework of construction financing is not very realistic, as a bank will finance a maximum of the value of the property. Since in your case approximately 100% financing is required, an implementation according to your wishes will fail. How much capital is saved in the [Bausparvertrag]? Perhaps you should consider using the balance from the [Bausparvertrag] to repay your loans. Then a reasonable financing is quite conceivable. In my opinion, it makes little sense to save on the one hand with a [Bausparvertrag] with embarrassingly low interest rates and on the other hand to service loans with high nominal interest rates.