Looking for affordable & good prefab house providers. (lower budget)

I say: it’s possible. With a lot of sacrifice in everyday life and willingness to compromise on the property: (location, size, features).

You then have to completely say goodbye to cost traps like fast internet at home, a mobile contract with a new smartphone every year, restaurant visits (incl. delivery services...), brand products during weekly shopping, branded clothing (& shoes), etc. The cost of living must somehow be reduced to just above Hartz4 level. Then the salary is mathematically sufficient.

Don’t get me wrong: I don’t want to live like that either, but people should be allowed to make the decision themselves. I believe there are people who accept a several years long dry spell for the dream of owning a house. Currently, €1000-1500 installments with the given salary are a lot; in at most 10 years you’ll laugh about the €1500 because by then you can only just rent a 45sqm shoebox in cities for that money.

The fact is also, if something goes wrong in life: illness, divorce or something similar... then there is no safety cushion and you can go straight into private insolvency and are in a significantly worse position than if you hadn’t forced the house purchase.

We earn together (currently my wife is on parental leave), so when she works part-time again about €3300 net... Planned is a repayment over 35 years of about €1100/month...

I find €3300 too low for new property.
Are you at least soon out of parental leave, so that more money can be earned?
Or did I not read that correctly when skimming?

They earn this €3300 AFTER parental leave, so now less.
I also believe that with this salary you cannot afford to build a house.
Therefore, if I had the dream of a new house, I would first put my energy into increasing income. Writing applications, possibly further training, etc.

Well, it is possible. We have a pretty similar salary (also due to part-time after parental leave) and have built a house. We took out a loan of 240,000 euros and pay about 950 euros per month in installments. Our equity was just under six figures. As stated at the beginning of the thread, we built for under 350,000 euros (160 sqm, air-water heat pump, ventilation system, etc. + double garage). All inclusive, including the land and outdoor facilities. But as I said, we live very rurally, the prices here are not comparable to the prices in other regions. And I very much agree with you that the OP's budget is not enough and he will not get a house + land for this money. I also agree with you that the salary is too low if the entire 320,000 euros have to be financed and no equity is available. I just don’t like the blanket statements that a new build is basically not possible with this salary... because for us it was/is possible.

(However, I have to say that at the time of financing we were still childless and I was working full-time, so the salary was not higher.)

I say: it's possible. With a lot of sacrifice in everyday life and willingness to compromise regarding the property: (location, size, equipment).

Well, I would also say that it’s possible, certainly it will be tight, and a lot must not go wrong, but it will work. I definitely find the situation here more realistic than the 450,000 for 2,300 net... You remember

I am realistic enough to turn all costs, all prices over three times and to question every matter critically...

You can turn the prices around as much as you want, it doesn't help. The problem is the prices you haven't considered yet and that suddenly come on top. There is no real price guarantee and there are no guaranteed completion dates.

Did I overlook it or is there nowhere here that states how much equity is available?