Alternatives of financing such as rent-to-own, etc.

Hello,

Direct financing, in which I acquire loans that bear interest, is out of the question for ideological reasons.

That means building a house on credit will inevitably not be an option.

I have recently had a cash flow of 4 net. This will be long-term, I can save 2 net per month, but to reach a high initial amount in the six-figure range, it will inevitably take several years, and then I would have to put in a lot of personal effort in terms of self-construction work, which I don’t have.

I already own a simple fully developed plot of land in a very good rural location, where single-family houses are already built around it except for on my plot.

Are there actually options for construction companies or similar to build houses and offer them to me in the form of reduced rent and/or lease purchase? This way, at least the direct involvement of interest can be avoided.

Are there names for this or models that already exist?

I look forward to your input.

PS: Private loans from friends and acquaintances unfortunately are not an option.

The option for other people to build houses and offer them to you for rent has existed for a long time. It's called "renting."
Getting a discount is difficult; for that, you would usually have to prove some kind of need. With 4k net income, offers for discounted rent are likely to be limited.

Lease purchase offers occur more often for old houses in rural areas when otherwise they don't sell. You also pay interest there, even if you don't see it at first glance. It is then included in the "rent."

I consider it unlikely that a house construction company would build a new house for you, advance the costs, and then offer it to you as a lease purchase. Firstly, you would bear the interest costs in such a model, secondly – why should they do that?

Well, two ideologies clash here ("no credit" vs "wanting to build your own house")... Either you have enough cash to afford both (which you don't, if I read your initial explanation) or you throw one of the two overboard...

GD

I am going to be very mean now and clarify: rent (also called rentzins) also works through interest; often enough (probably almost always) the landlord even has an interest-bearing loan running, because they can deduct the interest costs from taxes. The tenant then faithfully pays off the loan and in return has a roof over their head.

Which ideology forbids paying interest? I only know those who forbid taking interest (from followers of the same ideology).

Are there actually options for house building companies or similar to build houses and offer them to me in the form of reduced rent and/or rent-to-own?

No. Regardless of the structure you choose, interest is always charged. Rent-to-own means that you also receive a loan which you repay through the rent. This includes interest for the seller. This is then called rent-INTEREST.
I am not aware of any professional providers who build a new house and then sell it via rent-to-own or similar.

However, there are Sharia-compliant financings that do without ongoing interest. You have to google that. But even there, INTEREST is factored in.
It is for ideologically driven Muslims who actually adhere to all the rules. But even among the most devout Muslims, this is almost never the case. When it comes to money, the fun actually ends there too.

Which ideology forbids paying interest?

Islam. It forbids the agreement of interest in monetary transactions for both parties. But outside of Islamist strongholds, no one cares.

If it were about Islam, he would certainly write religion. That’s why I’m guessing deep red. After all, interest and compound interest are instruments of domination of financial capitalism bla bla bla