Construction costs are currently skyrocketing

Even the 40 years' worth of rent mentioned at first sounds like a lot - but if I buy/build a house at 30 and have to pump in 40 years' worth of rent, then that eventually runs out. But if I live to 80 or older, in the same scenario, I can add another 10 or more years' worth of rent on top, because they never stop until I die.

You have a misconception there. 40 years' worth of rent corresponds to rent at 2.5% of the purchase price. That means, with an interest rate of more than 2.5%, you will never be done paying rent at the initial prices. Additionally, there are purchase incidental costs and maintenance, which you do not have as a tenant. Of course, rents increase eventually, but in the current situation with 4% interest and high multipliers, you simply pay much more rent for the money than rent for a comparable property. A lot still has to happen before rent increases catch up again.

Pushing the trash bin out yourself... Hopefully, your health isn’t as bad as it sounds if this task overwhelms you...

New building here: 5 sqm balcony and 16 apartments, 2 blocks opposite... Wonderful

I said there must be people who like apartment buildings... We simply don’t belong to them... And apparently, neither do you because you’re here ;)

Being in poor health is relative, but I’m more the type who doesn’t feel like dealing with the garbage collection schedule and then definitely forgets to put the bins out every other time ;-)

Somehow I got stuck in this forum since the time we dealt with the topic of owning property ourselves. Back then, over a longer process, we realized that an apartment simply fits our current life situation better =)

Quick off-topic: I really like the way people interact in this forum and I’m simply interested in construction topics, which is why I’m happy to be active here.

Offer from the painter for WDVS+external plaster+colored paint on 366m2 of area to be worked on 50,000 EUR

I doubt that. A few pages ago we had the calculation with the shell construction house from Massa Haus. 300k with a lot of own work and simple standards. Then add the land, various additional construction costs, kitchen, and you quickly go over 400k. 20% equity (=80k+) then results in a loan of 320k upwards. That leads to a rate starting at €1500. For a house in the lowest price range and relatively cheap land.

That was 150 sqm and arbitrarily assumed prices. And possible own contribution was by no means exhausted. Then you reduce to 100 to 120 sqm depending on the number of people. At the beginning, a good used kitchen will do. Then you might get a rate of €1200 to €1300. Maybe you also stay at €1500. But at least that is affordable for part of the middle class.

What you are doing here is simply wishful thinking. Take another look at the list ( ). Where do you want to do even more self-performed work? Heating and sanitation? Or save 15k on the electrician? You might shave off another 5000€, but certainly not 20% of the total budget.

Offer from the painter for ETICS+external plaster+colored paint on 366m2 of surface to be treated 50,000 EUR

Get comparative offers! That seems very high to me.