Build or wait a little longer?

I can't hear this argument anymore when interest rates rise. And then? The smart ones have taken out full repayment loans or have their home savings contracts for later. The fewest have 10 years and 1% repayment. And they would also be rescued. It is a misconception that a bank is happy when a loan becomes non-performing and the property can be foreclosed. People used to build with 6% as well. It always worked out

That's exactly how it is, that's how I see it too.

n. So 450k€ - 480k€ with a monthly payment around 1700€. That would definitely be a payment where both of us could sleep peacefully. !

1.5 years ago, we built with a general contractor for 430k€ all in at a similar land price. 160 sqm KFW55 single-story city villa, Schüller kitchen with Berbel hood, not the cheapest of everything. It really depends on where you build; in BW or BY the numbers would probably look different. You have to find out how it is for you now. I would also take the chance now; if you feel comfortable there, in my opinion, 50€ more or less per month easily compensates for it, they also hurt less and less year by year.

Take your time to plan properly, but not too much, the schedules are full, more than 1 year lead time is rather the rule than the exception here, and after the construction period expires, the house often has to be finished. That often also takes a good 2 months from construction start.

We also built before our first child. I would always do it that way again. Personally, I wouldn’t "waste" parental leave on the construction site; that month was just too great to get to know each other.

Exactly how it looks, that's how I see it too.

Well, Tommy and I actually agree on something. Mark it off in the calendar right away.