What loan amount is realistic for house construction?

I do a lot of the work myself! You must be aware that after work you’re running around the construction site until 8/9 p.m. every day, every weekend, and certain things still have to be done by professionals. So far (3 months of construction time) not a single friend has been on the construction site, let alone asked “how it’s going.” Fortunately, I have a lot of contacts and the craftsmen allow me to do preparatory and auxiliary work, meaning the master or the journeyman comes alone and charges by the hour. Unfortunately, I always pay a bit for this because the guy often needs a lot of time to “think and read plans.” One or two more things to think about: I didn’t want to admit it myself, but there are small parts and really unnecessary nonsense that really cost a lot of money. For a new building usually from 1k€. Example: delivered prefabricated staircase cannot be installed by the contractor on site despite prior telephone confirmation. So a mobile crane had to be rented spontaneously (1200€ gone...). Cistern instead of soakaway pit (1600€ just for the cistern without excavator foundation work), craftsmen’s vacation times. Fortunately not the case for me: botched construction work. There are endless examples of this. In my neighborhood, 2 people are seriously affected by it. In interior construction, you will suffer exactly the same. Positions you haven’t thought of or which only come to light later will cost you a ton of cash. I have planned a 50k buffer, of which I will probably need 40k... however, I have the advantage that every month I can save 3k through our salaries or put it additionally into the construction. Whether you like the tone here or not. You are not making yourself happy today with your dream. I love being on my construction site and tinkering. My wife, on the other hand, misses the time with me, going out to nice dinners, buying clothes for us, treating ourselves to things. She is not wasteful, but all these things were a given before the construction!

anno jetzt

Anno jetzt? The financing isn’t even secured yet, and it surely won’t be for the next two years...

Anno now? The financing isn't even arranged yet, and it certainly won't be for the next two years...

That referred to your question about when I paid that...

Over 400k financing and own contributions, relying on others (keep in mind, anyone can get sick, have an accident, or simply lose motivation, so there must be money left over) with an income of 3800 euros, of which only 2350 euros are shown to the bank..

Oh man, who is putting such ideas in your head?

In my opinion, no bank should finance such a construct, I really find that borderline.

Given your situation and income, I would either look for a condominium or a house up to max. 250k.

Even if it’s not what you want to hear, you should really think about the "warnings" from others. In the end, this is not peanuts..

The bank does not care about your wife's income if you buy a house alone. I did it the same way because we have separate property. Your net income is taken into account, from which standard living expenses are deducted (e.g., also if you have children). Additionally, ongoing obligations (loans, etc.). Then comes the loan installment, and afterwards there must be a positive household surplus.

What do you come to?

As already written - T€ 200-250