Building a house without equity - is that possible?

What gives you the right to basically dictate to the thread starter how he/she should live at their age? It just doesn't fit your image of 20-year-olds, but why shouldn't it exist?

Let's drop the emotionalizing and look at the facts.
19/20-year-olds who have just received their salary twice in life balance their household budget tightly with items like €20 for leisure activities. Because they are JUST at that stage, because they JUST have their mind focused only on work and studies. They also want to have children someday.
It's not about whether two exceptional individuals here know exactly how life works. It's about the fact that they commit themselves so rigidly and inflexibly that things MUST stay the way they are NOW. Yet ending study periods or the birth of a child are guarantees for change.

It is simply naive to believe that you yourself, even as a couple or with children, will remain forever the way you are at 19, 29, or even 39.

You need freedoms, including financial ones, to be capable of change and adaptability.

To believe that you compensate for the missing equity with a "double-sized installment" also shows gross ignorance. The targeted installment is the minimum for the desired loan amount and not double what others supposedly would spend.

See posts like BU: €100: Progression or salary linkage considered? This item will probably increase in the next few years. You can notice the childish naivety everywhere.

As a former insurance person, I see this from a completely different perspective: having a BU at this age is still the exception and shows a maturity that others do not have at this age. Mentioning this therefore argues in favor of the OP, not against.
Otherwise, has fully expressed my opinion.

From my point of view, the topic has nothing to do with maturity. Rather, it is about sensible long-term planning for which life experience is needed. That is not present, as can be seen from the comments. It is also nothing I would expect at 19 years old.

At that age, I would say: "Go out into the world!"

You are with a car manufacturer after all. They also have foreign plants. Go somewhere for 1-2 years. See the world, gain experience, and earn money at the same time. You build equity in the process. Don't forget to enjoy life during that time. Treat yourselves to something. This does not mean you should throw money around recklessly.

In 5-6 years, take another look at how things stand with building the house.

What gives you the right to practically dictate to the thread starter how he/she should live at their age? It simply doesn’t fit your image of 20-year-olds, but why shouldn’t it exist? It wouldn’t be my thing either and at that age I definitely had other things on my mind, but to each their own. It only becomes problematic if he/she is a late bloomer and actually wants to make up for the supposedly missed time. Then you can wag your thumbs later on. But who can really see into the future ... ?

Yes, no one can see into the future. In the automotive industry where the OP works, however, short-time work must be expected in the short to medium term in the worst case. That is problematic if everything is stretched to the limit. Due to age, income, and other framework conditions, it is advisable to advise against the plan with common sense. Nobody is dictating anything here. It’s not possible anyway. If you open a topic here, you generally have to expect headwinds. Everyone who has read here in the forums for 10 minutes knows that. If the OP wants to go through with it, then loan brokers can help with equity. Morally, they perhaps have somewhat fewer concerns, without implying anything. But here the bar is set high.

The thread would have definitely become even more exciting with Thomas B.

Greetings over there *winkwink*