New construction with little time - experiences?

And that in Thuringia, if I read that correctly, or Steffen? In BW the prices are probably a bit higher...

Correct. Although locally the location is very good here. Large lake within walking distance..

Supplement to the home theater: We realized it together with a home theater builder. He should be brought on board early. The entire integration is not without challenges. Especially Dolby Atmos with proper ceiling speakers (we have everything from Nubert, WS-14 on the ceiling). All technology is connected via the bus. Voice command "Alexa, cinema" lowers the screen, closes all blinds, starts the projector, HTPC in the utility room and AVR, and sets a specific lighting scene. It also switches off the refrigerator (unfortunately necessary since it's a side-by-side and open living area). Room size ~65 sqm. It shouldn't be smaller either. Costs for the home theater should have been less than 50k. Projector 10k, TV 4.5k, screen 6k, AVR 3k, speakers 8k and then the craftsmen (drywall etc.). In total maybe 35k. Pay attention to dark walls behind and beside the screen. We found a nice solution with a dark red on textured wallpaper. Looks very good and works perfectly for the cinema. First-class projector assumed, e.g. Sony VW760ES)

Because of the title, I assumed that you have plenty of equity. Unfortunately, that is not the case. The reason doesn't matter for the loan at first. Your equity isn't even enough for the additional purchase costs if you buy through a property developer.
As many have already written here, the bank will not be interested in the inheritance. The bank will probably only acknowledge your bonus favorably. But it will not improve your conditions.

The principle is actually quite simple. Comfortable equity secures you good interest conditions and thus a manageable rate over the term of the fixed interest period. Your monthly income pays off the house. Quite simple.

What is comfortable equity now? For me, it is e.g. an 80% loan-to-value (excluding additional purchase costs). You can also calculate differently and say that after deducting the installment and monthly additional costs, 67-70% of your monthly income should remain for you.
With 3 children, more should possibly remain than with 1 child. This should be calculated individually.

At the current actual state, you will not get good conditions and you will have a high rate with the mentioned loan amount, which you have to serve with your monthly income.

If you don't want to lift a finger, you have to buy a predefined new build including land through a property developer. But then many extras simply disappear, and not because the developer doesn't want to install them for you, but because it is so far from the developer's standard that you have to pay 2-3 times as much for the service compared to the single trade. You will then lack understanding for that, believe me.

If you don’t want to lift a finger, then you have to buy a predetermined new building including land through a property developer. But then many extras simply fall away, not because the developer doesn’t want to install them for you, but because it is so far from the developer’s standard that you would have to pay 2-3 times as much for the service compared to a single trade.

The desire for a home cinema and the comment from about the size points towards an architect’s house. That gets expensive if you have to pay for construction supervision. Of course, it’s a statement that electrical work, which is obvious for many, is not wanted even if they have two left hands. You also have to say that other builders also work hard, time is usually tight, and you first have to learn the craft. Isn’t that wonderful? You’re not the only one.

Sounds to me like spontaneous megalomania with Hollywood airs. Put 300 grand on the table first - then come back... or grow up.

Sounds to me like spontaneous megalomania with Hollywood airs. Put 300 grand on the table first - then come back.

The OP is not the first here and unfortunately will not be the last with such ideas.

As an employee, you shouldn’t be dazzled by your own salary. So your salary in total is equivalent to two well-earning full-time salaries. If your wife were additionally bringing in 3 commissions monthly, the discussion would be different. The missing equity wouldn’t be compensated then, but a 100-105% financing would be manageable. Although the total costs after interest would still be horrible, you have to accept that if there is no relevant equity.

We recently had someone here who wanted to build a house for €950k and borrow €680k on a salary of €7500. That was also discouraged because the OP calculated with a rate of €1800.

For you, the €750k at 2% amortization and 20 years fixed interest would mean a rate of about €2900 (100% financing). Including monthly additional costs, you’re at €3300–3400 monthly for housing. That’s already over 50% of the household income. You’re far from a healthy 30%.