Building with a small budget feasible?

It is about the fundamental difference regarding the additional costs. In individual cases, it is different - keyword drainage. And the fact that you do not pay for street cleaning is probably due to the street without a sidewalk. This is also not the rule, but a rural exception.

It's about the fundamental difference regarding the additional costs. In individual cases, it's different – keyword drainage. And the fact that you don't pay for street cleaning is probably due to the street having no sidewalk. That is also not the rule, but a rural exception.

You just can't say it so generally, that's what I wanted to point out. It can be more expensive or cheaper. You always have to look at where which fees are charged.
In rural areas, owning a house is not an exception.

I just moved in recently, so I can still compare well at the moment: - Property tax (same district) is €100 cheaper per year for the 500m² house than for the rental apartment. There were courtyards and green spaces there. - Precipitation charge is minimally higher: +€20/year. I would have expected the difference to the rental apartment with 18 units on 6 floors to be higher. - Garbage collection has become slightly more expensive. Since there are still diapers, we have the bin emptied every 2 weeks. - Street cleaning has become cheaper. No more through street. Of course, now there is no caretaker, heating maintenance, correction elevator maintenance, outdoor lighting, etc. Summarized: 95m² apartment: €2700 per year 150m² house: €1300 per year I can't say anything about heating costs yet, but now hot water comes via gas and no longer via electricity. And I like to shower for a long time :) With reserves for a new heating system, etc., I still see the house as more expensive.

Property tax, insurance, chimney sweep you also pay as a tenant, just indirectly. Repairs partially as well. On the other hand, you can save well on additional costs in your own home, less waste fees, no garden maintenance, no stairwell cleaning, etc. Of course, you should build reserves in the house, but in my experience the additional costs are lower.

Nevertheless, it remains that REPAYMENT vs. rent is a wrong calculation. Instead, repayment + additional costs + reserves vs. rent is the correct calculation regarding the personal assessment of whether the monthly bill is advantageous or still bearable.

Nevertheless, it remains that REPAYMENT vs. rent is a wrong calculation. Instead, Repayment + additional costs + reserves vs. rent is the correct calculation regarding the personal assessment of whether the monthly bill is advantageous or still bearable.

Sure, no one disputed that either. With rent, you then have to consider the total rent including utilities.

so you also build up assets for the children / grandchildren.

The price increase is really remarkable. 10 years ago, there were houses here in the new development area for 100K. Some people I know have monthly burdens of under 500 € for 150 sqm....Well...somehow we are 10 years too late with everything :confused:

If you keep the monthly burden quite appropriate with the knowledge/option that you sell the house towards retirement and downsize again / or the child takes over or or....

I think you are making a mistake in reasoning: if you buy or build cheaply and finance it with the lowest repayment, then you have almost not gained or saved anything. Property transfer tax and prepayment penalties hurt. You usually don’t get these back upon sale. Also, ancillary construction costs as well as utility connections are not visible during a walkthrough before selling. These add up to not just 10,000€, but far more in total. If you then sell a house into which nothing has been invested for 20 years, you won’t get much more back either.
Only a great location and a higher-quality build in terms of substance positively affect the sale price.
If there were still 150 sqm for 100,000€ “with you” 10 years ago, then it’s probably not the “best” area that would increase the value of a property so that it’s worthwhile.

If you have only repaid 50,000 out of 300,000 in a financing (sorry, numbers aren’t calculated, just roughly guessed), then you make a loss business. Then you inherit no paid-off house, nor do you get profit in the sale on balance. You are lucky if you just get break-even.
And then, whether for a buyer or heir, it’s still just a simple house with renovation backlog, which is actually too small, uneconomical, and even has unsuitable walls for others.