Build/Buy or Rent - Which approach?

Well, the question does go a bit in the direction of:

Is my Porsche GT3 enough for the acceleration lane on the highway or do I need a Bugatti Veyron for that and better continue driving on the country road.

Different wallet, different questions and worries [emoji6]

Certainly not the question I ask myself, and I also consider the conditions very comfortable. But I cannot conclude from that that the OP should not be surprised by certain comments or should have to expect them.

Likewise, I cannot understand why the question should be an insult to forum members who have not studied and have to manage with fewer financial resources. Apart from the fact that “studied” does not automatically mean “big salary” and vice versa, it would be new to me that in this forum you are only allowed to ask questions within a certain salary range without having to listen to certain comments.

So what is it about? Envy, resentment?

I DON’T understand that, for example...

hey my employee electrician comes driving a fat Audi on the weekend, installs an outlet for 50 € (20 minutes work) and drives away

He hasn’t studied and is not a civil servant. But he did everything right :)

PS: would like to make it official, but no one shows up

Just as little can I understand why the question should be a slap in the face for forum members who have not studied and have to get by with less financial means. Aside from the fact that "studied" does not automatically mean "high salary" and vice versa, it would be new to me that you are only allowed to ask questions in this forum within a certain salary range without having to listen to certain comments.

So what is it about? Envy, resentment?

I do NOT understand that, for example...

Since you quote me without quoting me, I will respond to that ;)

If you have read my post completely, you must have recognized that I do wish the OP well! Others have also emphasized this! So no envy, resentment... please read carefully.

And it is not about "not studying" in the slightest, but about people – regardless of educational level – who have to "calculate carefully," no matter for what reason. If such a question came up, it would be more understandable for me – and apparently for others as well – than with this OP with these numbers. It is obvious and so easy to see that building a house is more than comfortably possible. And THEREFORE also my criticism ("from educated people"): the OP should be able to see that easily and effortlessly themselves. That obviously it is not so (indicator: the beginning of this thread) I just absolutely do not understand.

I hope this is more comprehensible...

Hi! Multi-quoting on the phone is a bit annoying, so I refrained from it here. But I agree with you that it would have been cleaner. However, I did not quote you, but referred to one of your statements which— as it turns out through your explanation—was meant differently than I understood it. The "studied" therefore only referred to the fact that one could come to it oneself based on the educational background. Ok, understood, even though I also think here that the fact of studying is irrelevant. I find the question legitimate, regardless of the formal degree. As the saying goes, there are no stupid questions [emoji6] The connection with the salary I made because it was mentioned in one sentence and breath. So I misunderstood. The envy thing did not refer to you specifically, but to the indication that certain comments should not be surprising when one asks with the given conditions. I see it differently though. Put differently: just because the OP is doing very well financially, does he not have the right to ask because others have to count very precisely? Why not instead—for example—a note like "Don't worry, we only have half, but it works too." In my eyes, that would be constructive and calm, would have the same effect without attacking the OP (even if that was not the intention). I hope it is understandable what I was trying to get at. Positions clarified, all good, carry on [emoji4]

Fits ;)

I don't find the "only saving 1200€ more" thing all that bad.

Before building the house, I put aside between 1500-2000€ monthly over several years. I lived relatively modestly and earned fairly reasonably. Then the house was built, and during the construction + about 12 months after the construction, I didn't even manage to save a cent. My account was basically at zero at the end of each month. That was personally very hard for me, I have to honestly admit, and I really thought about it. I also like the security, especially financially. By the way, I am also a civil servant but not a teacher or in administration. But after the 12 months of being broke, eventually everything was bought and paid for, and finally I could put something aside again. Starting with 200€ per month, I have now reached 800€, and that definitely calms my conscience. Extra repayments are also possible this way.

If I had planned the financing so tight that I could hardly put anything aside in the coming years, I wouldn't have built. I underestimated those 12 months or maybe calculated a bit too naively. Financially, I am in about the same range as the original poster, but as a single without children or such obligations.