Build a house - It should be a prefabricated house

Prefabricated houses, if well executed, are equivalent to solid construction (which must also be well executed). Simply take out a loan over 5 years with a normal installment (e.g. 1500 €). You put additional money in the bank. After 5 years you have enough to pay off the loan in full at once. If not, you take out a follow-up loan. In 5 years, interest rates will hardly have risen to an unmanageable level.

What is still missing is the size of the planned house. 330T € are – depending on the region – including the plot of land, tend to be too little.

Strange that someone who earns so much money is willing to spend so little on their house. 400,000 € construction costs for a house are no problem in the Rhein-Main region for a very well-equipped house, and this is still not a luxury villa, plus the price of the plot of land.

Thank you very much for the valuable contributions. I was also thinking of a term of 5-6 years.

Regarding the size, length, and "equipment/requirements": I live quite rurally and the land prices are comparatively low compared to larger cities. I also do not have above-average requirements for the equipment and size. It should be 150 sqm of living space for 2-3 people and as energy-efficient as possible.

By the way, I came across the amount on immoscout where prefabricated houses including land are offered. Maybe it is naive and of course I will get detailed advice and compare.

Does anyone know prefabricated house providers they can recommend? A first meeting is planned in a week with the company Living Haus (Bien-Zenker). Living Haus seemed very likeable.

: The amount I mentioned is by no means set in stone but I also do not want to spend unnecessarily much money just because I have it.

P.S. I just noticed that in the original post I spoke of a maximum amount for house + land. I take that back :) The amount should roughly remain within this range (if possible).

Hello,

1. After some research, I tend to lean towards a prefabricated house. These things are said to hold up well in terms of durability and lifespan compared to a solid masonry house, despite their bad reputation.
The disadvantage here is probably the reduced resale value due to the aforementioned prejudices?

Yes - if you want to stick to your figures; then you basically only have a chance to build if you settle for a cheap provider. The fact that this is the naive case is proven to me by the following statement from you:

By the way, I came to the total sum via immoscout where prefabricated houses including plots are offered. Maybe this is naive and of course I will have extensive advice and comparisons.

Beware: really cheap usually ends up being really expensive ;)

2. As a maximum, I have set 200,000-250,000 for land + house. In addition, another 50,000-80,000 for interior finishing and ancillary costs. So a maximum sum of 330,000. Does that sound realistic to you or would you generally advise against a prefabricated house? (if yes, why)

3. I also have no above-average requirements for equipment and size.
150 sqm living space for 2-3 people should be it and preferably energy efficient.

The Lipperland is not so expensive soil-wise; unless you want to build in Detmold or Lemgo; Horn Bad Meinberg probably isn't exactly cheap either due to the clinic. All in all, however, still cheaper than Düsseldorf/Cologne and the surrounding area and also cheaper than RP and Bavaria. Still, you won’t get by with your desired budget, because 150 sqm costs a good 218,000 EUR on a slab foundation as a solid masonry house and in the turnkey variant; that is, without painting and floor coverings. A comparable prefabricated house - that is definitely not a cheap provider - is also comparably expensive; depending on the provider, even more expensive! Plus garage, additional building costs and some extras, the targeted budget is not enough; with a basement all the more so.

4. I would like to start the building project at the end of next year with equity of ~100,000.

Why only then? At least one, if not two, price increases will have occurred by then.

Rhineland regards

Why only then? At the very least, there will have been one, if not two, price increases in between.

Primarily to reach the mentioned equity capital. On the other hand, I think that planning + land search will also take several months (unfortunately, I don’t have much of that at the moment). Considering the opinions here, I already see that I will probably end up at >400k for land + house (without extras) (for corresponding quality). As already mentioned, I would be very interested in recommendations for/against prefab house companies :)

so we will "sometime" (land search starts from Q2 16) also build a prefabricated house roughly in your area (district GT) and I think with the >400k you are better off. We are still very rough in the preliminary planning and have only obtained a somewhat roughly calculated offer - we are currently coming close to 450k for ~165sqm house without basement on ~600-700sqm land. I wouldn't count on a recommendation that fits you here, but you first have to know what you want. And then you can look at different providers to see if you can get that there and for how much money. If you don’t feel like doing that, you need an acquaintance who has had good experiences with a company and whom you trust enough to simply build with them. I wouldn’t necessarily recommend that now. If you want to spend that much money, you really have to deal with it for quite a while. It doesn’t help you if I now, for example, recommend you Gussek Haus because they offer a clinker brick exterior included, and I see that as a big plus, and because I found so many positive building blogs about them. If I tell you that Bien-Zenker is not an option for us because we don’t like the wall structure.