So let's summarize. Financing with 50k equity is the realistic option. Otherwise, it will be different with higher interest rates and so on. So the parents-in-law should lend a hand.
The father-in-law is doing the electrical work. Also, purchases at production cost for the kitchen and bathroom are possible through contacts. There is potential for savings.
The brother-in-law built a prefabricated house for €2400.
Is that also an Efficiency House 40? I’m afraid you’re making everything sound and calculate more positively than it really is. You really have a great income, but that alone is by far not enough at the moment.
The brother-in-law built a prefabricated house for €2400.
KFW40 NH in 2022?
I think you need to read up on some information and maybe just talk to a wooden house provider about the current prices. Meanwhile, just try a few online tools on the topic "how much house can I afford", repayment calculators, interest calculators, etc. to get a feel for it.
Well, that will at least cover ancillary acquisition costs and administrative fees. Also quite valuable, because many banks don’t even include that in the property loan. But yes, without [Schwiegerelternsubvention] it will be difficult and risky.
