Construction financing without equity as an option?

As already said countless times. If the parents have a lot of money and can actually afford it, then it’s okay. I still wouldn’t do it. Because I believe that the parents have already paid for me half of their lives. You have to give something back and not take even more. But both are okay. I live it differently though.

And what if your children later find themselves in a situation where they live with their children in a small prefabricated apartment building, while you have a pile of money in the bank and happily pay negative interest?

And before something like “Then they should have just worked harder in school or university.” comes up: In my circle of friends and family there are several who have always been diligent and frugal, and despite having completed their studies do not have much money because they work, for example, as street workers or in the theater.

If later I have enough saved up and my children need money for a home of their own, then I will gladly give it to them (provided, of course, that they do not have a mega wasteful lifestyle and therefore cannot afford it). In our family it has always been the case that we support each other, and even my grandparents always preferred to give with a warm hand rather than a cold one. And when I’m a grandpa and have enough cash, I can’t imagine anything better than using my excess money to give my children and grandchildren a better life (of course, always only in a way that we ourselves still have enough reserves). If they refuse it, I will find ways to give it to them anyway. :)

And what if your children later find themselves in a situation where they live with their children in a small prefabricated apartment, while you have a pile of money in the bank and happily pay negative interest?

And before something like: “Then they should have just tried harder at school or university.” comes up. In my circle of friends and family, there are several who have always been diligent and thrifty and despite having completed their studies don't have much money because they work, for example, as streetworkers or in the theater.

If I later have enough saved up and my children need money for a home of their own, then I will gladly give it to them (provided, of course, that they don't have a mega-wasteful lifestyle and therefore cannot afford it). In our family, it has always been that we support each other and even my grandparents always preferred to give with a warm hand rather than a cold one. And when I am a grandpa and have enough money, I can’t imagine anything nicer than using my surplus money to provide a better life for my children and grandchildren (of course always only as long as we ourselves still have enough reserves). If they refuse, I will find ways to give it to them anyway. :)

You give an extreme example. Now here is mine:

- Parents have a medium-sized house
- let's say €40,000 saved in the account
- Child wants to build but doesn't have enough equity because hardly any savings. Interest rates are currently very high
- Asks the family for equity and/or a guarantee.

I would not support this. Why? Parents can quickly become in need of care. Who pays then? The heavily indebted child or the state, i.e. us? In my opinion, the parents already did something wrong in raising the child because the child asks for money for a luxury item in adulthood.

Now the question is which situation occurs more often? Yours with super-rich parents, which will become increasingly rare? Or mine?

Neither nor, mostly something in between. Many parents have saved a larger amount, and then they add some of it to the house construction. As a gift or loan. Many parents also simply give on their own accord, without being asked.

The inheritance argument is not valid. When the child inherits, in most cases they are at an age where they no longer rely on it.

And when the parents become in need of care, the taxpayers pay because the children absolutely wanted a luxury item that they themselves couldn't afford... I find that totally okay *irony off*