Building a house, future plans - use building savings or interest now?

Ok but isn't it smart to secure the good interest rate now with a home savings contract for in 10 years? If interest rates rise again soon, we'll regret not having secured the rates.

I think Riestern is out for me anyway, since I'm too inflexible there (selling/renting) and the state doesn't give you the money as a gift but wants it back.

What amount would you consider as a savings target? I think we could manage 100,000 by the time we're both 30.

How far east of Munich do you live or plan to build that the price per square meter is so low.
In the west we've reached 1000 euros, undeveloped of course.

We live near Erding, a bit more to the east...

Here the price per square meter near the city is about 400€ and in more rural areas about 100€