Yes rented. Most uneconomical formWow. Two cars that we need to get to work. Certainly a sign of immaturity. Two apartments, which was only temporary because there is a minimum rental period in apartment 1. Definitely immaturity.
But you want to spend less money as soon as the house is finished to fulfill your dream. How do you actually explain to your wife that there will only be children once you have 1000€ more net income together? Because before that, children are not financially feasible. Parental allowance is only 65% of the net income. And that is then heavily taxed afterwards.
Yes, rented. Most uneconomical form
I said at the beginning that we live like 35+.
I think it's good that you signed up here. But unfortunately, this matter can hardly be taken seriously. What does the dream house for 280K look like and what about the plot? What exactly is included in the place and how big is it? How much buffer are you planning, how much additional costs?
Some more reading on this: https://www.hausbau-forum.de/threads/liste-der-anfallenden-Baunebenkosten-bauseits-teurer.9737/ https://www.hausbau-forum.de/threads/warum-ein-Hausbau-fast-immer-teurer-kommt-als-kalkuliert.16237/
I'm 45 now. I don't live like this!