Construction financing semi-detached house 130m2 healthy?

The classic choice between the plague and cholera. :(

Let's not kid ourselves, at the moment there is absolutely 0.0 indication that the situation will change in the short term. On the contrary, people are outbidding each other to the max for plots of land because the demand is simply huge. Construction costs are also rising 4-5% annually. You can't save enough for it to make sense. Increasing your salary is of course a good approach, but usually not as quick and easy to implement as one would like.

Even with somewhat decent existing properties, agents or private sellers call arbitrary moon prices at which people still line up, and in the end, they ask for "one last offer."

And let's be honest, 1.7% interest is still practically nothing. I also strongly assume that you will earn significantly more in 15 years, so the risk regarding the high remaining debt is limited.

Conclusion: For me/us, especially the high amount would be nothing, but if YOU are willing to at least partly make compromises for the house, then go for it! Basically, it is doable...

You are absolutely right. At first, we also looked for existing properties. But what is offered there is insane. Some of the houses are really terrible, and people still outbid each other. Rarely in bad locations. Larger plots, cellars, etc. Some people are willing to pay crazy sums for that. We can't and don't want to. Since we are not handy either, we decided on this compromise. Great location on the Rhine, but small plot. And the neighbor right at the fence. That's just how it is. But there is the daycare and the playground and many other young families right on the doorstep. Still difficult to accept. Especially because we both grew up in great detached single-family houses with large plots. But those are the times now. We can't complain. I think you have to be brave sometimes. If not now, when? You don't get younger.

And if there are bigger salary changes, it doesn't have to be the end. It can't be ruled out.

With this, you can fill up cars for free

The ones that Santa Claus puts in front of your door? :confused:

Come on , you’re not getting out of this one anymore.
Buying new electric cars (the used market hardly exists and is a roulette regarding batteries) and slapping a photovoltaic system on the roof to SAVE money is simply nonsense.
Nothing charges for free either, because the cars are usually not at home during peak hours but, surprise, at work.
So you need batteries for the photovoltaics. It is also a fact that these do not pay off.
This way, the 'electric revolution' won’t work.
If you want to save money on mobility, take a bike, public transport, or, if there’s no other way, a cheap used car to cover the kilometers.
But you can preach this to Germans for a long time – the money has to go into the car, that’s just how it is.

P.S. about leasing with BAFA subsidies: We all pay heavily for that, just like with company leasing. This nonsense must also come to an end.