What loan amount is realistic for house construction?

so no problem at all, I even spoke with the board, I would get the appropriate loan,

What kind of loan are you getting from your Volksbank small outfit? You or both? Under what conditions? Please give a concrete answer to a concrete question.

No, he even spoke with the president of the bank, the vice director, and the entire executive board...

I even believe that. In rural areas, people like to talk with the board of the local Volksbank/Raiffeisenbank. It's normal when it's a small outfit.

Correct, 20 years interest at 1.41 (effective) with 2 percent repayment, the rest can be secured via building savings contract if needed - all solely with my "meager" income, which is really good here according to the bank