Hello Micha,
Counter question: What use is planning your dream house if you can't find a plot where you are allowed to build it according to the development plan?
It's primarily not about dream houses or dream plots;
first and foremost the financing must be secured! Only when you know how much money you
can invest, can you freely decide how much money you
want to spend. Only then comes the story of the dream house/plot and balancing personal preferences; building is not just sweet self-impoverishment, but always means making compromises.
You only know if you can pay for the plot and the house once you have a plot in sight. What does the m² cost? What am I allowed / required to build there?
No, you have to stretch according to your "ceiling," meaning, when you know how much money you have available, you can start looking for a plot and house.
Our "dream house" would have been about 50 thousand euros cheaper than the house we are now building (on the plot we must build on). What use is financing for a house I am not allowed to build?
I think we are talking past each other. When I talk about financing security, I don't mean that you should take out financing for a castle in the air, but that you should clarify in advance where your max pain threshold in financing lies; what the bank will actually give you in your specific case. When you know this exactly – for which basically only a 2.5-hour conversation is needed – you can start your search within your possibilities.
But now the question arises again, do I rather make compromises on the location of the plot and build e.g. right next to the highway or do I make compromises on the house and live quietly and can let my children play outside safely? That is simply a decision everyone has to make themselves!
Yep, I already wrote that building means making compromises.
Therefore, my approach is:
(1) Find a plot and ask how much it costs
(2) Get non-binding offers for the house to be built there according to the development plan (just not the dream house)
(3) Ask the bank if I can afford the whole package
Nope, first 3 – ask the bank what you can max afford, then decide what you want to afford and then 1 and subsequently 2. This approach will also spare you disappointments; what if your appetite is bigger than your stomach can handle?
Best regards