The plot is 30m away from the street. I hope that our developer has properly estimated the position. I have absolutely no expertise in that! I’ll take the point about the exterior facilities with me. I want to do a lot myself and first not do anything elaborate, but still it seems tight. You can also see that from the other comments! Thanks to you! The garage is initially included with 35K€. Hopefully the development costs are more or less okay, but the exterior facilities are probably not quite realistic. Even if it should first be nothing more than grass and 2-3 shrubs ;) According to the developer, they usually manage KfW 40 with the equipment. Whether the repayment grant is higher or lower is secondary to me in a first step. I’m happy to take the note about the exterior facilities with me. I’ve already seen that more often in the few comments. But the plot is flat as a pancake – nothing complicated. I have the topic of the second parental leave on my radar. The salary increase should cover that, but of course you shouldn’t plan that firmly. Thanks already to everyone for the feedback. I’m a controller and a trained banker – sad that I even have to turn to you experts :-)
It’s not embarrassing at all. You won’t find more neutral answers anywhere else. And I once knew a banker who couldn’t handle money at all – unlike you. You’ve calculated sensibly, don’t exaggerate with demands (see cars), and have thought about the future. If additional costs come in higher, you can still have the garage built later or use the created foundation for a carport. And you do have some cash left as a buffer. And overall, of course, the plot also counts as equity. Parental leave might look bad to the banks – that’s the experience from the forum here. Otherwise – enjoy the house construction.