Building a house without equity - is that possible?

Since a new building is usually a decision for life or at least the most expensive one in (private) life, it can hardly be separated. After all, it’s not about a pair of socks.

Why not just study properly, if the distance learning course costs hardly anything it must be useless.

oh yeah? There are public distance universities. Their level is clearly above some private ones.

It was clear that the moralizers would crawl out of the woodwork again. The OP cannot be considered an adult due to age and lack of experience. The advice is therefore quite appropriate and not a criticism of a specific lifestyle.

I was glad to have been prevented from making some decisions at that age, otherwise it wouldn't have ended well.

Experience cannot be replaced by anything.

And the reactions in the thread paint a clear picture that the whole thing will be a huge failure that one can only advise against.

If no opinions are desired, then one simply shouldn't create a thread.

So a single post would have sufficed:

Hausbau ohne Eigenkapital - Ist sowas möglich?

Yes, with high risk. Thread can be closed. Thanks.

Actually, I appreciate your opinion here in the forum, dear @ypg. But this in the thread is, in my opinion, borderline.

Then read this. The statements do not come from me about the lack of interest or no hobby...:

But no, we do not belong to the crowd that goes partying or goes out sometimes.

We do not live like typical youth who want to try something „new“ and still have to find themselves.

Of course we have to eat, drink and fill up (gas).

We don’t even go on vacation once a year. So that's out. Leisure activities amount to at most exclusively 20€/month.

Person 1 simply doesn’t have any hobby or the like, as they are occupied with distance learning and work.

Aside from the fact that I am known for my exaggerated examples, as there is always some truth in them

This lethargy scares me!
Humans are not made for doing nothing. They need balance. They need a purpose for life. They need more than work. Otherwise, depression lurks, if it’s not already there.
I want the future to stay healthy and not watch depressively as much is destroyed.

If my child were to say the above, I would wake them up!

Friends and relatives who owned a property before <25 have bought all the bargain houses and significantly upgraded and made them habitable through their own work. For critical issues, such as the roof, electrical, and plumbing, companies were hired. In some cases, entire main living areas were fully renovated by companies. Side rooms, exterior, etc., then done by themselves.

And yes, all individuals are employed and have +40-hour work contracts.

If you have lived there for 10 years, you can still decide on a new build, if you even want to do that anymore.

Maybe such a model would be exciting?