Besides our seller, I also spoke privately with construction companies (circle of acquaintances), and they also say it hardly makes sense. And that even though they would still profit from it.
Profit is initially secondary to the question of the sensibility of such an undertaking. Whoever builds a house today according to the current Energy Saving Ordinance, and plans a later upgrade with photovoltaics, is – from my subjective point of view – always on the right track.
Of course, the subsidy amount from the KfW is "tempting" – on the other hand, the interest advantage is not so great that the additional investment in insulation and technology would be worthwhile; we don’t need to think about amortization at all.
Back to the original question – clearly an average family – whatever that means – can afford a single-family home. The most important thing is equity; at least 10%, ideally more. Then every builder should consider
[*]is it really unreasonable to move to the outskirts or the countryside?
[*]how large does a building plot really need to be?
[*]how many square meters of living space do I really need?
[*]does it have to be detached, or can a semi-detached or terraced house be an alternative?
[*]does it have to be a brick veneer construction, or is a plastered building an alternative?
[*]is a straightforward architecture really unreasonable?
[*]are children’s rooms > 14.00 sqm existential for child development?
[*]does an en suite solution have to be created in the attic/upper floor, or is conventional sufficient?
[*]is the standard beech staircase not sufficient?
[*]is a walk-in shower (every little bit counts) meaningful, or does a flat shower tray do the same service?
[*]is the standard sanitary equipment not sufficient?
[*]does it have to be a sliding door?
[*]are manual roller shutters so much worse than electrically operated ones?
[*]are the standard sockets not sufficient?
[*]is the offered standard generally sufficient for me?
[*]is just a parking space enough?
[*]is just the access path sufficient in the first year after moving in?
[*]and the list can be continued in many ways
And probably the most important question: am I building for my family and myself or for others?
If the wish list and must-haves are based on the available budget, and objectivity and the appearance to the outside reach a consensus, an average family can also build a single-family home. If not, it is not really bad to live as a tenant; in my opinion, they have it much easier than homeowners anyway
Rhenish greetings