Property acquisition - Is the construction sum financeable?

I may have overlooked something but:

You buy a plot of land for €131,000 - 10% discount, although you can omit that, in return comes property transfer tax etc. So in the end it will be €131,000.
Then comes the house for €329,000 = €460,000,
You have €60,000 equity
For me that means taking out at least €400,000 in credit, rather €450,000, with that income it simply doesn't work.

I would rather first buy the plot of land and pay it off. Then save some equity and then build the house.

I have added up your expenses including the monthly reserve for the vacation and came to about €2000. The savings rate was stated as €300.

The difference to the savings rate is spent on clothes, eating out, excursions, ice cream... on the nice things in life.

That means you are currently "blowing" at least €1300...1600 "on the nice things in life." You would have to give that up if you were paying off a house. Is it worth it to you? I find that a very large amount, and it’s completely unclear where it actually goes.

If you can drastically cut back there, it might work out mathematically. But you need as accurate a calculation as possible so that no unexpectedly large amount is suddenly required.
In your situation, for example, a garage is the very first item to cut out. Better to keep that money as a buffer.

The crucial question: do you want to give up "the nice things in life" for the house?

The 1300 - 1600 € are not "squandered". Important expenses are still missing:

- Insurance
- Daycare fees
- Vehicle tax, fuel costs
- Savings for a new car

For these four items, we are certainly looking at 600 €+ monthly, if not more...

The 1300 - 1600 € are not "wasted". Important expenses are still missing:

- Insurance
- Daycare fees
- Vehicle tax, fuel costs
- Savings for a new car

With these four items, we definitely come to over 600 €+ per month, if not more...

And that is why it is important to keep a household budget and to deal precisely with your expenses. Example car costs: You list vehicle tax and fuel costs as well as savings for a new car. Where are the costs for insurance, vehicle inspection, wear and tear, and maintenance? Are these already included or do they appear in the respective month as unexpected special expenses?

I agree completely. Better to make a detailed list than to find out later that expenses are missing. You can forget about vacations then. At most, a day trip to the Baltic Sea.

Yesterday we added up all the costs that occur in a month, about 1700, of which around 500 is already for some things on Amazon, shopping, etc... the current rent with additional costs is excluded. We have one car and that’s it, the work is then 500m away from the property. I could certainly increase equity through my brother to 90k, bring Bayern Labo on board so that the financing gets better. I will now get a cost breakdown from Dennert and get back to you. Maybe you will see in the offer what is still missing. And yes, I know normally the house costs me around 400k without the land, that was the case with the other offers so far, but with Dennert we included a lot and came to 330 with everything... I have to see that I get a total of 400 and then it might be feasible?