Condominium or "Single House"

I don’t know which area in Saxony you live in, but I also have an acquaintance who is currently building a house about 30 km from Chemnitz in a rural area. The house will also be under 100m². And regarding urbanization, that may apply to a part of the population, but not “everyone” wants to live in the city. On the contrary, I never wanted to live in the city at any time, but rather prefer to live close to the forest for walking or biking, where you don’t have to go through city traffic jams with a motorcycle just to cruise on country roads, etc. Living outside the big city doesn’t mean that I live in a village of 80 inhabitants (including cows and chickens). In a town of 5,000 to 20,000 inhabitants, you also have pretty much everything you need for daily needs, including doctors, schools, daycare centers, etc. I have often heard recently that many people want to leave the city again, as many districts are increasingly “decaying.” And thanks to home office etc., this is becoming more feasible in many professions. I’d rather sit on the terrace with my laptop and breathe cleaner air, have no noise, etc., than sit on the mini balcony of my city apartment. Especially when it comes to single-family homeowners or interested parties, and those are probably the majority here, you rarely find them, for example, on [München Maximilianstraße] etc.

and when the children are out, many move back to the city/downtown with public transport, local supply, cultural offerings, "city life", restaurants within walking distance, doctors within walking distance, etc.

Are we talking about the sticks or the outskirts/belt areas, from which the parents/providers have their workplace in the city and reach it by public transport or good road connections?

Even when the children have moved out, one still has their demands for a quiet garden and a beautiful house – the infrastructure is there anyway... after all, one chose it especially because of the children back then.

Why should I then put up with an apartment in the big city in my 50s when I have chosen my location?

We are not talking about frailty, which sooner or later may occur, possibly only at age 80.
And nursing homes are currently also being built in rural areas... but that is another topic.

However, anyone who demands weekly cinema, theater, and the like already has this demand in the age of parenting and weighs city and "country".
Or – yes, is single – and loves the extravagant life of the big city.

Off topic 1: Sometimes I get the feeling that builder-parents around 30 (+-) think that life without children does not justify a house, nor does anyone over 50 still experience any quality of life.

Although we already had a discussion about whether singles here even want/must remain single.

I tend to agree with ares83. When I see what is being built in our development area here on the Baltic Sea: 8 out of 10 houses are single-story, under 120sqm, have no basements, are bungalows. I think a small house is always sellable.

I will definitely let you know how my house bank views the matter and will continue to inform myself about what is feasible in terms of a "Single-Haus."

Presumably, it will probably go like this anyway: that I have to save up a bit more equity and/or accept a higher rate.
For 200 euros more up to 1200 euros, I can theoretically borrow 320,000 euros and be done by retirement.

Small update for all interested readers:

- Up to 300,000 euros the house bank sees no major problem
- My plan: Buy land first, then build at the earliest in 2-3 years
- Land in the countryside, I have two offers: 1x 1300 m2 for 120,000 euros, partially developed, and 1x 550 m2 for 90,000 euros fully developed, I will look at both on Monday (they are in the countryside in smaller towns, 15 kilometers west the price then partially rises to 500 to 600 euros per square meter of building land, but then it's suburb)