Buy a Reihenmittelhaus KfW 55 standard and rent it out later

I can't quite understand why everyone here is so extremely pro house purchase. Economically, it is definitely the worst solution. Renting is ALWAYS cheaper. And especially when resale/rental is already foreseeable. You can rent for three and a half years just with the ancillary purchase costs. You have also recognized capital gains tax and an uncertain rental situation. POSSIBLY and with a lot of luck, the money is not worse invested than in a daily allowance account. That is true.

Additionally, you are young. Plans change, sometimes even partners. Traveling is also only really good now.

If you really cared a lot about the house now and it was at least the small version of your dream house, ok. But as I read it here, definitely not. Inflation is virtually zero - save the money (for all I care, gamble with a quarter) and look forward to having a decent amount of equity for the upcoming house financing.

That’s the opinion of someone who also unintentionally built way too soon after acquiring their own property. ;-)

...For us, it is absolutely out of the question to live in this house forever because we would like to move closer to my workplace. As I said, this is only supposed to be a temporary solution! I just find it extremely difficult to decide, paying rent is super annoying, but you don’t have to take care of anything because the landlord is responsible for that. If you buy a house, all the costs are on you, and renting out, I think everyone knows you can really get into deep trouble with tenants. On the other hand, I see that when buying, you invest your capital profitably, ...?

Acquiring property now, just because it’s supposed to be “profitable,” is nonsense. Save your equity: the later saved interest through high equity is profit! You have answered everything else yourself [emoji4]

I also read that more as an unwanted interim solution. It doesn't make sense just because of the incidental purchase costs. With a purchase price of 255k, you alone have €16,575 real estate transfer tax, plus notary and land registry fees of about €3,500. For €20,000 you live in your current apartment for almost three years. The purchase price obviously refers to a structurally weak area, and whether you can reasonably rent out a terraced house is questionable. Apart from that: capital gains tax is not due on owner-occupied properties after two years of own use. So that would be the least of the problems.

What I mean is: it didn’t take us even a quarter of a year to throw all the plans overboard.

And now, would you say the house turned out less well than those who would have spent the quarter of a year deciding where the interior door to the garage goes, and which rubber duck goes in the children's bathroom?

Given the purchase price, it is obviously a rather structurally weak area; whether you can rent out a terraced mid-terrace house there properly is questionable.

That is an important point: a property offered cheaply because of its location will remain so, its purchase price or rental level will not rise by magic.

The idea of buying a house now and later using it as an investment property is basically not bad. However, I share the opinion of many here that one should wait and only then buy a house in which one wants to live permanently, and possibly afterwards, if there is capital left, purchase an investment property.

If you decide to buy a house now, I would use equity so that the loan-to-value ratio is at 90%, from which the best conditions begin (initially without taking into account the term, installments, etc...). And keep the rest for a later house purchase.

No, not at all! We are really very satisfied and see the whole action in retrospect as sheer luck. We feel very comfortable. It was indeed a risk, but it paid off. But there are simply no guarantees