Please provide an assessment of financing possibilities

No reason to panic. Take a look at the public cadastral map of your district or your municipality, there is surely an access. Or Geoportal RLP. It is also questionable whether your building has even been surveyed yet. If it has been surveyed (when?), it also takes some time before it is incorporated into the cadastre. Depending on the office, this can take several months.

Best regards Dirk Grafe

I am not panicking because of that. The house is there - I KNOW IT FOR SURE. It can also be seen on the aerial photo via the Geoportal - it is not marked on the map below (same as with Boris). But it might be related to the surveyor. I had forgotten in the meantime that he (I believe) has not been through with us yet and will insist again.

Apart from the 15000.- for the kitchen (which I, by the way, consider rather tight), the question arises whether other furniture should also be newly purchased (couch, bedroom, etc.) Otherwise, anyone who worries about over 8000.- whether they can pay off 2000.- per month must indeed be a wholehearted civil servant.

Except for the 15,000.- for the kitchen (which I, by the way, consider rather tight)

Seriously?
We paid about 9,000 including the electrical appliances + table for our kitchen (midfield). Plus a side-by-side for just under 1,000 euros. The kitchen would have cost 800 euros less if my wife hadn’t insisted on THAT kitchen countertop.
Appliances: Siemens 5-burner induction cooktop, large Siemens oven with self-cleaning function, Siemens dishwasher, extractor hood from (don’t remember anymore)

However, I can imagine that a kitchen with an island might be somewhat more expensive.

In my opinion, 15,000 euros should be more than enough if you negotiate a bit (for us, it was initially 19,000 with poorer appliance equipment).

Thanks for the assessment - yes, I have a bit of a hard time with prices for the kitchen - I’d rather eat out
But we will probably have to adjust that again...

A few pieces of furniture will be necessary, but we don’t live in a 1-room apartment after all. Such things should be easily doable from our current income since we have a lot left over each month right now. Also, a buffer should be left in the equity.

Regarding financing: We have now received what I consider a good offer.
It includes KFW153 and KFW124. The remaining sum is fixed for 20 years at 2.1%. Alternatively, there is also an option calculated with a building savings contract, which should take effect after the initial 10 years. Would that be, for example, recommended as a follow-up to the KFW loans?

About the "full-blooded civil servant":
I like to hear that first because that doesn’t exactly suggest a planned over-indebtedness

And even though it is very likely that our income will continue to rise in the future, I also take into account that

- Possibly not always both full salaries will be available => parental leave

- We do not intend to restrict ourselves for the house in terms of our standard of living. I see building instead of renting rather from an economic perspective or as part of retirement planning. Going on vacation, eating out, or getting a new car should still be possible.

- Paying off the loan is not the end - you also have to keep in mind that maintenance and renovation work will be due again at the latest by that time. You should also be able to save something for that.

House/plot size: There were concerns here.. I think we prefer to approach this somewhat more modestly. Showing off in front of neighbors and acquaintances is not necessary. And with 160 sqm + basement, do 3 to max 4 people really have a lack of space?

On the contrary, I get quite dizzy looking at some of the financing ideas one can read sometimes (also here in the forum). Foreclosure seems almost pre-programmed in some cases...

Thanks for the comments!

A very nice income and a very nice project in terms of the costs related to the repayment. Even if too little equity is left, you should be able to save something in a few months, which can be used for, for example, garden landscaping or new furnishings. Also plan 2-3000 for additional electrical equipment for good indoor and outdoor lighting. The outdoor facilities will not exactly correspond to the latest trends: a retaining wall here, a raised bed there, plus fencing, terrace protection, and trees and shrubs. 10000 will be quickly spent there. You can manage well with 15000 for the kitchen, even if you are not currently the cooks, a contemporary kitchen setup in the non-cheapest price range should be installed (induction, steam oven). I would always recommend a flexible repayment plan for child planning in the financing, initially higher than 2%, then less during parental leave. When things are relaxed again, increase it again.