What loan amount is realistic for house construction?

Stop trying to talk him into it. He is convinced of his opinion and knows better anyway... He gets the loan and that's that...

no, he had a consultation at the counter. In the actual application, it will not be approved. It goes through the four-eyes principle

no chance

In the specific application it will not be approved.

no chance

Man, we all know that, but shh, be quiet, it’s more fun that way

So here "in the countryside" completely different deductibles are calculated and costs for operating the hut, but never mind everyone already thinks they know everything better anyway

Well then, good luck that everything goes well for you. You will both have to work full-time until retirement to eventually pay off the house, and nothing can come in between. The risk is high, but you have to live with it, not others.

Regards

Apparently, you don't have to pay anything for gas, water, sewage, electricity, and telecommunications, but actually get something back. That means you have negative additional costs... Hats off, Mrs. Mütze. But even with negative additional costs, a suicide mission...

So here "in the countryside" very different deductibles are calculated

Yeah, cars and fuel are also not part of living expenses And it's warmer out in the countryside too, so you don't have to use gas or even get a different rate
Manmanman, that all evens out... They really forgot something up there for you, didn't they?