Building a house - where to start?

I now have a house in top condition very close to me for about 225,000 including notary fees etc. I could finance it with a monthly payment of about 800-850€ through a construction loan. Then I would have about 1100-1200€ warm and still about 400-500€ reserve monthly. In addition, the building savings contracts are still running, which then also bring in about 275€ monthly. If something bigger should come up at some point, these could then be canceled or leveraged at favorable interest rates. Depending. But I think it's not bad considering that it is about 1km away from me as the crow flies living space approx. 100m², with guest WC and basement. 4 rooms. Shops right around the corner. And the way to work remains the same. So you save increased fuel costs.

Please send me the link, Ralf

I almost believe that saving a little bit can't hurt before diving into pleasure. I will soon be 33, my girlfriend is 30. Of course, having children is a point that will come up soon. I find it really difficult to find something suitable. The problem with the Region Jüchen is that my girlfriend has to go to Neuss and I have to go to Hilden. A car is available, but only I can use it > driver's license. If you consider that Jüchen - Hilden is about twice the driving distance as before, it doesn't make sense if I then have monthly additional costs of 150-200€ for fuel. It's really not easy to find something here in the region.

But to say one thing: a really great forum with very nice, helpful users! I thank every single one who writes here. I just wanted to get that off my chest.

p.s. the stupid thing about it is that for a reasonable apartment here with heating you pay around 850€ +- 100€. (rental apartment)

I now have a house in top condition very close to me for about 225,000 including notary fees etc. I could finance it with a construction loan with a rate of about 800-850€. Then I would have about 1100-1200€ warm (including heating costs) and still about 400-500€ monthly reserve. In addition, the building savings contracts are still running, which would bring in another 275€ monthly. If something bigger should come up at some point, these could then be cancelled or pledged at favorable interest rates. Depends. But I think it’s not bad considering that it is about 1 km away from me as the crow flies. Living space about 100m² with guest WC and basement. 4 rooms. Shops just around the corner. And the way to work stays the same. So you save increased fuel costs.

I am not the biggest expert on real estate offers, but I am accustomed to reading them and have to sober you up:
The energy demand for the 1965 house is 301.8 kWh/(m²*a), which puts you in energy efficiency class G, so at the very bottom, with disproportionately high energy costs with the detached house. It is not stated in this offer when the oil heating was renewed. Therefore, I assume that it has not been renewed at all or is over 30 years old. That means it must be replaced in 2015. Any other indication, which is missing, would be interpreted more positively.
Since the house itself looks very well maintained both outside and inside (unfortunately the photos are very small), this statement supports my assumption about the heating:
Renovation/modernization work must be planned by the buyer.
Photos of the bathroom and kitchen are naturally missing, as you can already see the old standard from the 60s in the WC photo. What is not bad for a guest WC could still be very annoying in the actual wellness bathroom. You can convince yourselves of this at the open viewing, also of the kitchen, which very likely does not have a fitted kitchen but individual units (fitted kitchens were not common in the 60s...). You should already finance modernizations; that would be added on to the calculation. Also, the garage is not included in the purchase price but is estimated at an additional 10,000.

The example calculator now gives you a comparatively lenient financing rate, but I have corrected it upwards: 199,999 + 10,000 garage (without modernization).
Then over 20 years without equity. I also simulated a higher loan interest of 0.5% due to a repayment rate of 2.5% instead of 2.0% ... and end up just over 900€.
A distorted simulation because a loan is always individual, the calculator assumes the optimal average, and I just rate you worse because your equity is very low.
If I simulate necessary modernizations for the kitchen at 5,000 and heating at 10,000 added, you are at about 950, but you still have old sanitary and electrical systems as well as old tiles.
I’ll stop here because there are better financing advisors than me as well as more users who understand old technology and building fabric. You are heading for over 100% financing, and that is not cheap.

Nevertheless: without reservation: what was photographed makes a very well-maintained impression!
But an expert always belongs in such an old house before you sign anything... and he/she will admittedly uncover further costly defects like possible external stairs, foundation/basement, moisture, roof insulation, etc.

Regards Yvonne

But I think it's not bad considering that it is about 1 km away from me as the crow flies

The problem with the Jüchen region is that my girlfriend has to go to Neuss and I have to go to Hilden. There is a car available, but only I can use it > driver's license. If you consider that Jüchen - Hilden is about twice the driving distance as before, then it doesn't make sense anymore if I have 150-200€ extra monthly fuel costs. It is really not easy to find something in this region.

Well, your current location shouldn't really matter, because you usually have to make compromises when it comes to ownership and real estate. Most people who know the advantages of an apartment in the city still have to establish or buy their domicile in the commuter belt 30 km outside the city limits, even though they have a solid equity of 30%+. I once googled Neuss and now understand 's suggestion with Jüchen ... Düsseldorf corner... Often people switch from car to public transport, and yes: someone without a driver's license might feel buried in a village because they can't get out.

p.s. the stupid thing about it is that you pay around 850€ +- 100€ warm for a reasonable apartment here. (rental apartment)

But don't forget that with ownership you have to pay property tax and garbage fees quarterly, some additional insurances are due, and bills from hardware stores or craftsmen visits always have to be paid. It's not like you pay the same for rent and ownership. Rent also has its advantages!

But just to say one thing: A really great forum with very nice, helpful users! I thank every single one who writes here. I just wanted to get that off my chest.

Thanks on behalf of everyone