Planning prefab house, first appointments are scheduled

Hello dear community,
we (24 and 23) no longer want to pay off other people's loans, which is why we want to decide on our own property. The desire has always been there. Since building ourselves is very likely too complex, a prefabricated house seems to be a very good alternative.

Since I only finished my studies this year and my partner completed her training last year, the equity capital is understandably very limited. We have a bank appointment next month. We arranged the appointment so that we can calculate with the bank what is actually possible. Of course, we will obtain comparison offers.

At a prefabricated house exhibition, we got in touch with a consultant with whom we have arranged an appointment at the end of the month. His idea is that we present something and can calculate it with the bank. We also informed the consultant that we do not yet have a plot of land. Although the company does not broker plots, they can help us with the search.

We are very flexible regarding the location. Everything between Stuttgart and 30 km north is possible for us. A train connection should be available at most one town away. We are planning with 140 - 160 square meters, ideally a basement and a small garden. We assume that a 300-square-meter plot should be sufficient. Very likely, a carport or garage will be added later. We assume that we can manage with about 500,000 euros. However, this should also include a plot and incidental building costs.

We know that verbal promises are nice and all, but we also know that everything should be put in writing. What tips can you give us for the consultation appointment with the prefabricated house provider? What should we definitely pay attention to?
How do you evaluate our plans considering the circumstances?
What tips do you have regarding a plot? (It’s said that it is not that easy through municipalities, so we are also hoping that the consultant will support us here.)
How did you manage that the prefabricated house provider maintained good contact with you afterwards? (You often read that contact becomes sparse after signing.)
Does the help with the plot search sound realistic? The consultant said it would even be possible to find a plot within 2-3 months.
What costs should we keep in mind? (Prefabricated house, plot, incidental building costs, land transfer tax, notary, possibly furniture and kitchen...?) Should one also plan a 10% buffer even if it is a fixed price?

I have not mentioned the name of the provider for now, as I am not sure whether it would be considered advertising then.

Best regards

I see it less rosy. He has no property and forces you into a house contract with a withdrawal clause if no property is available by xyz. In the fine print, 10 thousand in damages for lost commission. Chase that gentleman to hell, never go to house exhibitions, buy the land first, then go to the master mason and negotiate the house. Every Business is local and no rush und time is on your side.

You have a completely wrong scheduling that could cost you dearly.
1. Financing/Bank. What is possible
2. Searching for plots, assessing, visiting, rejecting, revisiting, planning attempts on a plot, evaluating locations, slope and orientation, rejecting, visiting, reserving, planning attempts
3. In between, you may also have to deal with several house building companies... but I’ll leave that uncommented now, since you want to walk down the wrong paths

His idea is that we present something and can run the calculations with the bank.

And then you don’t know at all whether the numbers of the homebuilder are complete and realistic?!
The fish is unfortunately already on the hook... the fish is you...

We assume that we can be in the game with about 500,000 euros. But that would have to include a plot and incidental building costs.

How expensive are the plots for you??? You surely already looked.

We know that verbal promises are nice and all, but we know that everything should be given in writing. What tips can you give us for the consultation appointment with the prefabricated house provider?

Sign nothing. Show or feel no obligations.

What tips do you have regarding a plot? (Apparently it’s not so easy through the municipalities, so we hope the consultant will support us here.)

Uh, haven’t looked yourself yet?

Does the help with the plot search sound realistic? The consultant said it would even be possible to find a plot within 2-3 months.

No.

How do you assess our project considering the circumstances?

Wrong. You have long since mentally chained yourself to a house building company.

Everything has already been said. Inform yourselves but don’t sign anything rashly. 300 sqm just to make it cheaper? What is supposed to be built on something like that? I also don’t see €500,000 in the Stuttgart area for a house with all the extras.

Since building ourselves is very likely too complex, a prefab house seems to be a very good alternative.

If for you the alternative to "prefab house" is "building yourself," then you really should prepare a bit longer and better..

Very well written Yvonne! : The basic idea of a house is great. Now don't rush anything, because the suitable plot in the Stuttgart metropolitan area first needs to be found. With the targeted budget, you need one of the very rare bargains, because there should also be money left for more than just a garden shed. Talk to many local people. Looking at houses is fun. Treat yourselves to that and gather ideas. Stay non-committal – as everyone here advises. Maybe it’s also a good step to first buy something and build yourselves later. I think it’s great that you are so ambitious at (sorry) a young age.