Prefabricated house or solid house companies - budget

Children are always the bane of any construction financing!!
But if you need a new car or maybe even two, then that is completely negligible.

Since you are career starters, I am sure that your net household income will increase by €1,000 in the next 3-5 years.
For the financing, this is of course not insignificant as it means more loan volume.

I don't know your requirements, but I would not be happy with a house of 120sqm if I think that in 3-5 years I could also finance 150sqm.

TE is online again and again, but I think nothing will come of it...

I would leave it. We also want to start building at the earliest next year. We purchased the plot 2.5 years ago. 50 km south of Berlin for €40 / sqm. Plot size 1,447 sqm. Current value is €120 + / sqm. We still have about €40,000 to pay off.

We both earn more than €6,000 net and have secure jobs (teacher and manager in healthcare). We also have no equity. Und wir zögern trotzdem mit dem Bau. Because I am rather risk-averse. If I take out a loan, I have to be able to save at least €1,500 monthly after all deductions. Because you never know what will happen. Whether it’s car repairs or other expensive things. You also want to go on vacation when it’s possible again. Personally, I would never build in a way that leaves me with no savings. Besides, you might also want children. Then there’s parental leave with lower income.

In summary. Leave it, keep saving and try to increase your income. And please don’t look for examples where it worked out.

The plot costs €16,000 with development.

So if the plots are this cheap, then you will easily find a plot in 5 years when you have a higher income and have saved €50,000. If you can't manage to save €1,000 per month now, then you also can't manage a loan installment plus additional costs for a 120m² house.

If you can't manage to save 1,000 per month now, then you also won't manage the loan installment plus additional costs for a 120m² house.

And if they manage? Then they are at break-even and cannot build up any savings. One should never build and then have no money left for other things like vacations, car repairs/purchases, etc. It's like buying a Ferrari and then only driving to church on Sundays because the money isn't enough for more...

We both earn over €6,000 net and have secure jobs (teacher and executive in healthcare).

6k net as a teacher, how does that work?