New single-family house 140 - Is it financially feasible like this?

OT about parental allowance: Changes in tax classes have not been relevant for quite some time and can therefore be skipped. The PA is calculated from a fictitious net income from the gross income and not from the actual net income.

Income and asset situation:

[*]What are your incomes (gross/net)? M: 3800€ M: 2950€ + Christmas and vacation bonuses (BAV already deducted)
[*]How much equity do you have? 100,000
[*]How much equity do you want to invest in the house project? 100,000 (since about 30,000€ will still be saved until the house construction)

General information about the property:

[*]How large is the plot? 570 sqm
[*]What is the standard land value? 95€/sqm
[*]New build, old building (year of construction), house type? New build single-family house KFW 40+ with basement without slope
[*]Garages? Double garage
[*]How large is the house? (living area / usable area) about 140 sqm + basement

You can only be envied, where in Germany are there still such constellations (very good salaries --> dirt-cheap plots). For 95€ you can't even get plots in the Hunsrück. :(

Anyway, everything fits for you...

OT on parental allowance: Tax class changes have not been relevant for quite some time and can therefore be skipped. The parental allowance is calculated from a fictitious net income from the gross income and not from the actual net income.

I don’t know where you got this information from, but it is simply not correct. Of course, tax class changes are still relevant and can make a significant difference. When calculating parental allowance, the tax class that was predominantly assigned during the assessment period is used as a basis, and this of course ultimately also affects the amount of the parental allowance.

I got the information from our [Elterngeldstelle], even in writing. Great, when you get false information from them. :-( Luckily, it has no consequences for me, since it's the maximum rate. I'm very sorry, of course I retract the statement.

I got the information from our parental allowance office, even in writing. Great when you then receive wrong info from them. :-( Fortunately, it has no consequences for me as I receive the maximum rate.
I'm very sorry, of course I take back the statement.

Honestly, that shocks me, but unfortunately it doesn't surprise me. :(
Luckily, we have a competent caseworker, otherwise we would have "given away" around 3,000€ in total. Given the amounts involved here, that's small potatoes, but as you know, even small potatoes produce manure. :)

You can only be envied, where in Germany are there still such constellations (very good salaries --> dirt cheap plots). For €95 you can't even get plots in the Hunsrück. :( How ever, everything suits you...

Thanks for your feedback. The plot is indeed quite cheap, but that’s also because the plot is located in a village with 1000 inhabitants ;-)