Set cost framework - How much can we afford?

I would start with €400,000. Calculate your needs yourselves: €2000/m² plus additional construction costs plus kitchen, garage, basement, or other special requests. Where do you end up?

Keep in mind that you are no longer the youngest and have less than 30 years until retirement. The children will become more expensive, or child benefits will eventually stop. So don’t repay too little.

Anyway, if you not only live down-to-earth but also build down-to-earth, it’s all no problem. Everything looks very solid.

And if you want [Baukindergeld], the building application must be approved by 12/31/2020. With us, it takes about 6 months, so we don't factor in [Baukindergeld] at all.

And if you want Baukindergeld, the building application must be approved by 12/31/2020. For us, it takes about 6 months, so we don't even factor in the Baukindergeld.

Then we probably don't have to expect it anymore. The approval to the procedure sponsor for development hasn't even been issued yet. Is there perhaps a chance that the Baukindergeld will be extended?

Then we probably don't need to count on it anymore. The approval for the procedure carrier for development hasn't even been issued yet. Is there perhaps a chance that the [Baukindergeld] will be extended?

Unfortunately, nobody knows. But with all the corona measures, I wouldn't really hope for it.

answered very solidly – that’s how we know him. How much you borrow and how you plan the liquidity burden also has a soft factor that no one in the forum can answer: don’t go beyond what keeps you awake at night. That costs quality of life, which the house will not give you back.

If the balance of 2400 euros has been like that for a longer period, you should have saved up the 80,000 euros in less than 3 years. Is that really the case? Or were there perhaps still periodic expenses?
The current cars will not last forever. You can actually already create a "depreciation item" and allocate the purchase costs of the new cars over the expected remaining lifespan of the old ones.
Do you also include vacations in the monthly fixed costs?

Basically, things look good for you.
In any case, take a look at the threads about ancillary construction costs and purchase ancillary costs. And roughly add everything up in your head with the 2000 euros/sqm for the house + xxx for the land. Feel free to assume that it is now easily 100 euros/sqm. However, I am not familiar with your area.

With these values, have yourself advised at the bank or by one of the major brokers.

I assume you are not civil servants? Then definitely finance in such a way that you are done in 25 years.
Otherwise, it can also take longer..