Meaningful financial planning?

Of course that’s okay, I didn’t mean it in a judgmental way.

I still maintain that it can work. The calculator roughly shows 1.76% for 25 years, resulting in a payment of just under €820 plus €450 operating costs + reserves makes a total of about €1,300. The remaining debt after 25 years is just under €60k, so negligible. Although it's a higher percentage than recommended. But if you’re the type of person who knows what they’re getting into, doesn’t want to go on a world trip every two years, and lives modestly, for me it’s doable, albeit requiring discipline. Of course, if you place a lot of value on consumption, you should leave it. This setup is very dependent on the type of person. It works for some, for others not. Only the thread starter can answer which category they fall into. But please be honest with yourself, otherwise there could indeed be a nasty awakening.

Good morning everyone,

thanks for all the replies. Critical answers are also welcome and gave me food for thought. Nothing should be sugarcoated, and as I said, the rude awakening should not come later.

I have a moderate lifestyle, but of course I do not want to overextend myself or be made a slave.

:

1) You are not married and live with a partner?
Not married, living with a partner.
2) What interest and repayment burden do you want?
Planned burden approx. €850
3) In which city (due to the selection of regional banks) will the project be realized? Bodenseekreis
4) Do you have a 13th or even 14th salary? No
5) No credit burdens? No credit burdens present.
6) Have you already thought about the fixed interest period for the €130,000? KFW 10 years, remaining balance 20 / 25 years

The rough plan now looks like this:

If possible, reduce the loan amount to €200,000 by lowering construction costs and increasing equity.

The construction financing and KfW calculators then spit out the following.

€100,000 via KfW with 10% repayment bonus over 25 years is about €380 (fixed interest 10 years)
€100,000 via another bank, assumed 25 years at 3% repayment approx. €390

The remaining debt would be covered by inheritance.

Possible emergencies and risks could be covered, as I could increase to 100% working hours.

What do you think about this?

well, I would think carefully about improving the QUALITY by reducing the house construction costs. Rather increase equity if possible.

Nevertheless, I see the risk of a high remaining debt. What is the relationship with the partner? Is there a subsidy so that the financial situation eases?