Construction financing without equity as an option?

Unless one pays a rent that would correspond to a healthy repayment.

It doesn’t have to be a gift, but when I ask around among colleagues, many parents stash their money with 0% interest. My mother too. So you meet in the middle interest-wise and everyone is happy.

Well, of course, everyone has to decide for themselves whether to borrow money from their parents or not. If the interest surcharge is extremely high, it would of course be foolish from a business perspective not to consider it. The question then is whether I’d rather pay the bank €800 or more in interest per month than pay my parents interest when it’s only about a small loan of €50k or less. Here it was only about the ancillary purchase costs. Incidentally, the ancillary purchase costs are also a big hurdle for many households with average net incomes. Unless you, as described here, survive on noodles with ketchup for a few years and give up almost everything, it can take quite a long time. Even if you save €10,000 per year, it still takes almost 5 years.

Of course, there are also people who would rather go down with pride later than reasonably consider alternatives...

One can always speak well or badly about both sides. If we only look at the business management aspect, then it would also be no problem to borrow money from, for example, Putin. But no one would do that at the moment, because there are other reasons besides just the economic ones. We don't want to burden our parents with something like that.

Saving €10,000 per year before buying a house is not enough. I agree with you there. But I believe that very few households save €10,000 per year after deducting vacations, etc. I also think that restricting your life before buying a house just to save more is not enough. At some point, you want to live again and not just save for the house. You also don't want to tell your child: Yes, we have a house, but no vacations or buying clothes allowed. The €10,000 should rather be available after buying the house.