Building a house without equity - is that possible?

I only hear a lot of hot air. First write down all your expenses without gaps and how much you want to pay the bank as a maximum installment?

If you like, gladly. 1st car: €192.90 (currently) 2nd car: €468.72 Apartment: €550 Electricity: €45 DSL: €29.99 Mobile contracts: €54.99 IG Metall: €22 Disability insurance 2x: €103 Accident insurance 2x: €44.53 Liability insurance: €6.51 Insurance for the apartment: €8.20 Spotify: €9.99 GEZ. That’s it.

You don’t have to eat? Clothes? Etc.

I see existing real estate more, as it is more predictable and usually also cheaper than a new build.

At that age, with such a very low net income, it's all nonsense. And yes, I know the net income will increase...

The house, which is not supposed to be turnkey, costs us about €280,000.

What does that mean again? What is "not turnkey"?

You don't have to eat? Clothing? Etc.

I see existing properties more, as they are easier to calculate and usually cheaper than new builds.

At that age, with such a low net income, it's all nonsense. And yes, I know the net income will increase...

Of course, we have to eat, drink, and refuel.
But we live according to what remains available to us. If I can pay €1500 per month for my house, then I do that and cut back on variable costs.

What does that mean again? What is "not turnkey"?

That we do the painting/wallpapering work and the floor coverings ourselves except for the tiles.

Why should one limit oneself for a house? NEVER. What is your partially pathological destructive inner drive?