You can already build up solid equity of €1500-2000 every month based on the numbers you mentioned. And if you don’t have a specific plot of land yet, something will surely come together quickly until it gets serious.
Okay, you are young, but where do the €2,200 go? Food and fuel?? A bit much? €800 cars, which means financing or leasing? You are from the industry and should know new ones in a few years. I would advise you a maximum condominium within your credit limit, meaning a maximum financing of €150,000. €450k for a house is unrealistic and if you know that a factory change due to career is possible, poorly thought out. Are you then building for the next buyer or the potential tenant? Not to mention the volume
Since a factory change is not a MUST, I would like to plan my future here.
We are currently putting the remaining €2,200 aside – that's not the case otherwise.
The €800 cars are rental vehicles.
So currently you cannot build. Without equity, it is not possible, and you first have to familiarize yourselves with the subject matter. This can take a good 2 to 5 years. Then you will also have proper equity at the start of construction.
Conclusion: nothing will happen in the next 5 years.
You can easily build up equity of 1500-2000 € every month from now on with the figures you mentioned. And if you don't have a specific plot yet, something will surely come together quickly until things get serious.
Yes, we are already doing that. But when the most optimal offer is available, I would like to know how it can work at that time regarding 100% financing. Because I don't want to plan any equity at first.
So currently you cannot build. Without equity, it doesn't work, and you first have to familiarize yourself with the subject matter. That can take a good 2 to 5 years. Then you will also have proper equity at the start of construction.
Conclusion: nothing will happen in the next 5 years.
Let's assume we find a good existing property where the house costs about €350,000-410,000 (+additional costs) – how realistic do you see a full financing then?