Problems finding an appropriate financing budget limit

It won't get any cheaper, this is the MINIMUM.

Your post is complete nonsense overall!

The late allocation is actually very convenient. Now massively save every cent to absolutely increase the equity. Sell everything that can bring money and is not needed. Really give the maximum. Then thoroughly inspect Town & Country and deal with the minimum. Sometimes the standard catalog house is enough. You can live in that too. There is simply no carport. Driveway and parking space with gravel. That’s also possible. Terrace in EL with concrete slabs. Simply deviate downward from the supposed standard in this forum. Here is absolutely the number one contact person. Pragmatic and free from sensitivities. Then it can work out.

Is that somewhere in the coal region? People always say NRW is so ugly, nobody wants to live there :D. Could that be a reason for the cheap prices, because everyone is moving away from there?

Where exactly in the "coal region" are these mentioned cheap plots? Not around here at least ;-)
And it's very nice here, come by once my guest room is ready :-D

Joking aside, the good locations here are expensive, the less good ones still quite pricey.

I also know someone who built with Town & Country exactly one year ago – simple and solid. No frills and plain. So happy about the house at the topping-out ceremony. By the way, with 4 people the Flair 113!

Simply deviate downwards from the supposed standard of this forum. Here, @Nordlys is the absolute contact person No. 1. Pragmatic and free of sensitivities. Then it can work.

However, for Sechzig, not a landlubber, not a first-time developer as a builder, and also professionally experienced in real estate. So with rather moderately suitable prerequisites for the average forum builder to "see themselves" in him ;-) A boat alone rearranges the conviction of how much land one "needs," and probably also regarding the storage space for ballast.

I think, on the one hand, the total costs are set far too low, even for a standard house... although I really do wish you all the best in snagging such a plot with the BRW for that great price... but if I read it correctly, you currently have a household income of about 2700 euros and monthly fixed costs of over 2100 euros... your low equity capital will be used up rather quickly, before you can or should think about a loan in the amount needed... or is it just me?

Best regards & good luck nonetheless!