Cost for a one-and-a-half-story house / approx. 160 - 170 m² / basement?

Either you have too much money or you have never really dealt with real estate and its returns.

An owner-occupier does not have a return anyway. Only those who sell or rent out their property at a profit can achieve a return.

The idea that you get more salary through inflation and can repay your loan faster is a very dangerous misconception. First of all, the real interest rate paid in the end will be above inflation; otherwise, the bank would make a loss. Furthermore, it is completely impossible to know the interest rate development in 20 years. Interest rates can just as well be at 20%, or you might be lucky and they remain low. But what if a new currency even comes with a very poor exchange rate against the euro? In addition, inflation means that everything becomes more expensive, especially energy costs increase sharply, while salaries usually do not increase as much. In the end, this only means you have less money left to repay the loan. It does not matter whether the loan amount is worth less in real terms.

Return: exactly! That is precisely your problem. You don’t make money with the property. So why do you invest your money in an owner-occupied property? If you have a prime location in Berlin, the calculation might work out in 20 years. That also applies to a few selected cities in the country. Otherwise, you pay repair costs on your investment and suffer depreciation due to age, etc.
By the way, with the current interest rate situation, banks hardly make any money. Why have banks probably been looking for risky deals in recent years?
I don’t need to know the interest rate development for the next 20 years either (I don’t care, since I have a fixed interest rate over time); I know the development of the last 30 years. It can only get more expensive (this also applies to investment interest rates!). I don’t care about a currency change either; debts, assets, and income will change at the same time.
Of course, I also use substantial equity, but only to keep the installments within a reasonable range. However, I earn more with other investments than I pay for the KfW-70 loan (1.40% nominal; I already get more with instant access savings!).
Just be glad that you earn well and have saved (or inherited). Many people are not so fortunate...
But please don’t be so arrogant with your statements about taking out credit.

Hello, what's going on here? If I had €300,000 available, I would invest! But definitely not in a property of my own, rather in something that can be sold again with a profit. From my point of view (or very likely) in real estate. A real estate loan with this liquidity is a small matter in comparison, which I would gladly just pull out of my sleeve. Everything else is pointless. In some sentences, I hear Dad speaking.

I wish I had such equity problems too. Good night and see you tomorrow

I wish I had such equity problems too. Good night and see you tomorrow

I wish I had this capital to finance businesses, everything else will follow

Your answers have almost nothing to do with the question. The OP is not concerned with yield or similar, but with the question of whether he can roughly get his house for 330 TEU. Whether it's equity or credit doesn't matter at first..... We pay about 330 TEU for approximately 165 sqm of living space in a split level with basement + 1 garage. Just for the house. But already including floors/bathroom etc. Only painting is EL. With pellet heating/floor heating and a few larger windows (lift-and-slide door) etc. Not a lower standard, but nothing special either.