Plan self-performed work seriously

then have a house planned for you and calculate all the trades that you can cover yourselves. Add the material cost back to the savings and you already have your reduced costs.

Although I am always skeptical when many helpers are planned... what if one gets sick or otherwise indisposed?

Ah ok. So it has "tactical" reasons and is therefore normal or legitimate and supported by the banks. Good. We have only really planned for 3 fixed people. My father, brother, and me. Whereas my father fills a "full-time" position and we each work half-days, let's say. He can simply do a bit more during the day than we can. The idea from my predecessor is very good, I think that way you can get a rough direction. The sticking point was actually the statement from an energy consultant that with your own existing plot of 800 m² and 120,000 euros in cash equity, you could not manage a house with a repayment of 850 euros per month.... That makes me a bit suspicious, because we don't want to build a villa but simply a small solid nice house. Actually, a higher repayment was planned but since a human being is currently on the way (but this will at least be the only one with the current partner and I actually do not want any other partner) we have lowered it...

What is the standard land value according to the standard land value map? I assume you are building in the village? say 100 €/m² + 120,000 euros, is that 200,000 € equity capital on the other side is your loan term, full repayment? Loan amount...800 € can work but doesn't have to.

The Boris database says 46 euros per m²....

You can still call the Gutachterausschuss and ask for the Bodenrichtwert; it may not be updated in Boris, for our area it still shows 75 €, but it was sold for 120 €...

However, the bank can also do that later. All in all, a lot of information is missing here... what budget is planned, what you can afford. Just browse around the forum a bit.

Go to a bank (for a start maybe best to your home bank) and discuss with them how much they would finance you, what installment would be needed, what interest rate lock period is suggested, what remaining debt would be left after the interest rate lock period expires and what would happen if you only start using the loan after the interest-free availability period or because of a longer construction period can only draw the last loan tranche after 2 years.

And then take your time to think about what you get for the money, what is important to you, how long you want to pay, how much security you need. And whether you actually want to stand on the construction site daily for months alongside your regular job instead of watching your child grow up (and whether you can mentally and physically handle that at all – such a construction site is quite exhausting and sleepless nights due to the child on top even more so).