Planned financing land + single-family house 2022/2023 - Are the framework conditions suitable?

I don't see it that way. For the plot including additional costs, we are at 100k. The OP has not yet communicated the targeted size, but a moderate house (160 m2 without basement) will be under/around 400k including additional costs and own contribution.

It is somewhat hidden in the original post. :) Approximately 160m² are actually planned, a basement would be nice (but is not a must-have if it comes down to it), own contribution will be possible to a limited extent thanks to some acquaintances and family members.

Buy the property if it is so great, both of you will enter "everyday life," think about the entire project next year, and then provide the banker with valid numbers for the financing. With the future numbers as far as they can then be substantiated, it looks feasible, provided that one or the other compromise is not excluded. "With or without" equity, the current interest rates are probably miserable for the entire project, and would, could, should, would doesn't really count in terms of risk assessment. It has the advantage for you that you get the great property, the time pressure is manageable, and in the worst case, if something comes up, the property goes back, which then costs a few thousand. The unlikely case can then be booked as tuition fees, which should not cause you huge problems. If everything goes well, you should be able to put aside around 30-40% of the property costs by next year; that would be the first milestone for me to see if saving works. ;) What you should "price in" in your consideration regarding children would be, 1. they cost more than they "earn," 2. at least one will probably stay at home for some time and not receive full salary ;) Both are doable with the numbers, just keep it in mind.

Buy the land, if it's so great, both of you get into the "everyday life," think about the entire project next year and then provide the banker with valid numbers for the financing. With the future numbers as far as they can then be documented, it looks feasible, provided that one or the other compromise is not excluded. "Withwithout" equity, the current interest rates are probably miserable for the entire project and would could would doesn't really count in the context of a risk assessment.

It has the advantage for you that you get the great plot, the time pressure is also limited and in the worst case, if something comes up, the plot goes back, which then costs a thousand. The unlikely case can then be booked as tuition fees, which should not cause you huge problems. If everything goes well, you should be able to put aside about 30-40% of the land costs by next year, which for me would be the first milestone to see if saving works. ;)

What you should "price in" in your consideration regarding children is 1. they cost more than they "earn" 2. one will probably stay home for a period at least and not receive full salary ;) Both doable with the numbers, just something to keep in mind.

Very constructive, thank you! :) I think that's what it will come down to - buying the land with hopefully more equity by then, continuing to save and not starting house construction before 2023/2024!

I don't see it that way. For the plot including incidental costs, we are at 100k. The OP has not yet communicated the targeted size, but a moderate house (160 m2 without basement) will be under/around 400k including incidental costs and own contribution.

That would be about the current price for the house. Then come the outdoor facilities, double garage as well as additional construction costs. What he wants he wrote in the first post. The basement can be omitted anyway. Plus possibly in 1-2 years the currently discussed photovoltaic system obligation, other future surprises and price increases.

How much time do you have before you have to start building on the property? Nowadays, municipalities usually do not look kindly on properties being bought "auf Halde".

How much time do you have before you have to start building on the property? …

That is mentioned earlier …