Single-family house, estimated costs and suggestions for the floor plan

Right from the start: If I am looking for an apartment for a family of five, for example, I cannot move into a 3-room apartment with 75m² just because it might be 150 euros cheaper. In that case, I have to make sure that more budget is available. But first, I should probably know what the larger apartment actually costs. It might be that I can only generate a small increase in budget. The same probably applies to a house. It would be pointless to build a house with 120m², as this would be the same size as the current apartment (but then I would have about 150 euros per month in additional costs for the next 15 years). The next problem would be if I had to heat with oil or gas; I would then have to bear an additional burden due to rising prices for fossil fuels over the next few years. So it might not be worthwhile. Therefore, the goal now is to find out how high the costs for a suitable house with suitable heating, etc. actually would be and whether the monthly installments would increase within an acceptable range or not. Some points may certainly apply. But for me personally, it is the case that I do not want to do things halfway. I need to know beforehand what will really happen. Clarification is simply sensible and in my opinion necessary. For that reason, I will not enter into any construction contracts or similar if the finances are not clarified or the conditions do not at least somewhat fit. In the worst case, I would then have to stay in a rental apartment for life (although the advantage there would of course be that you could theoretically change constantly). The budget I set was only estimated. Through your hints, I now know better. But it must also be said that it is partially feasible, as Schdin also stated. Best regards Zeiti

Sorry, but Schdin has not built yet. Here everything is firm belief and hope. What his planning will ultimately cost, he might be able to tell you in a year.

I see it like Musketier. First define the financial framework. Then plan. And with 3 children, your framework has to be solid, or your equity high enough. If your finances only allow 130 sqm, then you simply can’t build.

We built a prefab house, and it has 150 sqm. Theoretically 3 children's rooms, no basement, gas condensing boiler, solar and WRL. Kfw55 and the house alone costs 235,000€. Without land, without additional building costs (which were almost 40,000€ more). Own labor is also involved, and still, it could not have been much cheaper. Maybe another 20,000€ if we had left out the ventilation and waived the fireplace. The rest, however, are fixed costs.

@Der Da: I like it much better this way. Now I can really imagine something price-wise.

As I said, if the price is around ~250,000 € plus additional building costs and the land, then I can consider an amount of about ~360,000 €.
That way I can really work with it.
Of course, I only get the exact figures when I actually have the land and the finished plan. But at least I can now say that it is within the realm of possibility. That was actually what I wanted to know. I got some suggestions. Thanks to Schdin for the plans. They look great! Hopefully it works out for you too!

BUT without a basement and garage... We keep very detailed records of every expense, and that includes the fuel costs incurred from almost daily driving back and forth. We are soon at €300,000 excluding the land. A few pieces of furniture, a dozen lamps, etc. also need to be purchased. It is easy to underestimate how much that ultimately costs. and the outdoor area has not been done yet either.

Just upfront:
If I’m looking for an apartment for a family of 5, for example, I can’t move into a 3-room apartment with 75m² just because it might cost 150 euros less. In that case, I simply have to make sure there is a bigger budget available. But first, I should probably know what the larger apartment actually costs. Maybe I can only manage a small budget increase.

I think you still haven’t understood what it’s about.
There are 150m² apartments in old buildings, partly renovated, for 6€/m² with 900€ rent,
there are 150m² luxury new buildings for 20€/m² = 3,000€, and
there are 45m² luxury new buildings for 20€/m² = 900€.

You do apartment viewings and, of course, you like the 150m² luxury apartment.
You fix everything with the landlord, plan your furniture in the floor plan, and only at the very end you see what you can afford monthly. And only now do you realize your monthly budget is only 900€. Somehow the approach is wrong, right?
With children, the 45m² luxury apartment is too small, so the partly renovated old building will have to do.

Applying this to your example:
If you have a budget of 260,000€ and need 150m², that probably means making compromises elsewhere. Then there simply is no “luxury.” The double garage will become just a parking space and the basement turns into a slab. Since there is no longer space for the pellet heating system, it becomes a gas condensing boiler. For that, the utility room must be larger because your heating now suddenly has to fit in there.
Since you don’t want to do things halfway, you yourself pointed out the alternative. -> Keep paying rent

Even the 250,000€ + incidental building costs won’t be enough for 150m² + basement if you had added up the numbers.

Our self-set budget was 230,000€ at the start, now it’s 280,000€.
And painfully, the chimney was already cut out and the garage-carport combo is only planned for later.

First of all, Schdin is a she and already has the contract with cost calculation fixed at this price. I find it shocking how everything here is habitually put down for not working in theory. In the end, our financing is secured, the land is here, and our house was offered turnkey by the developer for a fixed price of 287,000. It has become a bit bigger than planned but is within the financing framework. We have about 160 sqm with the finished room in the basement... minus our own contributions as mentioned, at 245,000. So that was the word for the weekend.