What loan amount is realistic for house construction?

Saving suggestion #1: Porta-potty and water hose outside replace the bathrooms
Saving suggestion #2: Camping grill replaces the kitchen
Saving suggestion #3: Tent instead of garage

That could work

I have learned in this heat that "building according to budget" is the new magic word!

Tell me, do you all like to interpret? The equity is not 20k but 40k euros

Besides the equity, how much additional reserve do you have? Or put differently: How much are you putting into the financing, how much are you holding back for reserves/emergencies/something else?

Besides the equity, how much additional reserve do you have? Or in other words: How much are you using for financing, how much do you keep as reserve/emergencies/anything else?

We want to use the 40k completely.

Additionally, we still have 10k.

I have learned in this heat that "building according to budget" is the new magic word!

In this heat, one could also just leave off the roof at first... It's just stupid when it rains again...

In this heat, one could just leave off the roof for now... Only annoying if it rains again...

There are said to be people whose brains were left out.

You will make yourself unhappy because the money simply isn’t enough.

For example, you plan only 10k for floors and walls, but then want to be clever and save money by not finishing the kids’ room + office. How much of the 10k do you think you can save that way? 1k? You will hardly be able to realize the underfloor heating and screed etc. in these rooms later on.

Are you actually aware of the monthly/yearly bills that come in when you have a house + land? Property tax, sewage fee, stormwater fee, waste fee, street cleaning fee, home building insurance...

You are at least looking at 10k in labor alone for the driveway and terrace (of course more depending on size). Where do you want to get the money from, even in 2 years?