Construction financing - How will it change in the future?

Apart from that, the landlord covers the costs for maintenance and repairs from your basic rent;

If you are completely honest, there is no comparable care of the property as with ownership. I count myself among those. "Sprucing up," but not what you do with your own property.

And just from the costs not covered by your construction financing (furnishings, kitchen...) you can nicely stay a few more years renting.

Don’t you have to pay for a kitchen or furnishings in an apartment?

With your warm rent you pay your landlord a whole bunch of additional costs, which as an owner of a single-family house you first have to bear yourself and set aside;

I think Schipa88 means the basic rent. In cities, it is very often above a comparable rate – whereby that also includes a considerable amount of forced savings.

Would you install a kitchen for €10,000 in a rental apartment? Many would certainly spend even more than that for a house. It happens very quickly.

Do you not have a kitchen in an apartment

900 bucks, back then taken over from the previous tenant. Bought a new built-in fridge for 400 money, 90 € for a range hood. Gave it to the next tenant 5 years later for 1200. But I know it differently too. In rental properties, kitchens worth 20,000€ are installed, which you’re glad to have gotten rid of for 5,000€ after 3 years when moving. The depreciation of built-in kitchens is outrageous. Delivered, installed, 50% loss in value.

or furniture that you have to pay for?

We took a lot - almost everything - of our apartment’s furniture to the house, but also bought furniture again for almost five figures without a kitchen. Nothing expensive, no big-ticket items, but still a lot.

Would you install a kitchen for €10,000 in a rental apartment?

If it’s just a small kitchen: Yes.
Why should a rental apartment be furnished differently than owned property? I know plenty of people who have kitchens in their rental apartments that cost many times that amount. If I pay €2,000 or more cold rent, I’m not going to put a Poco kitchen for €1,500 in the place. Just like the Benz sofa or whatever else.

Although we brought a lot – almost everything – of our apartment’s furnishing to the house, we still bought furnishings worth nearly five figures without even including the kitchen.

Is it really different in an upscale rental apartment? New couch and the first €3,000 are gone. Three lamps and the next €1,500.

In my opinion, furnishing an apartment has nothing to do with renting or owning, but with personal taste and wishes.

In some real estate advertisement of an agent, I once read a nice saying: In the course of your life, you will definitely pay off a property – either your landlord’s or your own. The fact is often this: What is due in rent is apparently enough for the landlord to pay off the corresponding property within a reasonable time (25-35 years), including all additional costs, insurance, maintenance, taxes, and so on. Otherwise, why would he (the landlord) own this apartment and rent it out at this price? Inflation and maintenance carried out justify moderate rent increases every few years. And why shouldn’t someone, for example as a civil servant with a (very) secure salary in the upper or even higher service, be able to afford 100% financing? It was already mentioned: As soon as civil service for life is secured, I would buy a condominium. Many acquaintances have done that, they are now in their mid-30s and have an 80-90 sqm apartment, fully paid off. It can now be rented out or sold. It certainly looks good in any financing discussion for a house. But somehow we have gotten off the actual topic: At the moment, we are indeed facing the "problem" of having to make definite decisions soon. We are locally tied (job, family) and it is very difficult to get land here. Now, after 4 years of searching, we can conclude a leasehold contract for a single-family house plot. If we don’t do it soon, the plot will be gone and there won’t be anything like it here anytime soon. We are now in our mid-30s, so we don’t want to wait too long either. Moreover, with 4 people in a 3-room apartment, it is getting tight, and, as already said, I pay about the same for a suitable, ~100+ sqm apartment as I do for the loan.

I often need a kitchen also when renting, and furniture anyway.

Well, I don't know how the prices are in your region, but here we are now at about €10/m² cold rent. That makes €1,200 for a 120m² apartment. I can also easily manage the installment for a house with 120m².
Then there are additional costs (yes, probably more for a single-family house than for an apartment) on top. But I don't find that overly simplistic.
Especially since with a single-family house I end up owning property.

I pay about the same for a suitable ~100+ sqm apartment as for the loan.

That’s exactly what I wanted to point out in #114. It probably got a bit lost.
I don’t quite understand what’s so "overly simplistic" about it.