Feasibility Single-family house + land 400,000 €

When I read all of this here, then I need 600k for the cheapest and smallest house plus land. If that really is the case, then I’d rather stay renting. Houses apparently are now only something for the upper class.

You can also build, buy, or renovate with much less. Now it’s just about avoiding financial surprises during the construction. Statements like "We settle for the absolute standard." are nonsense. Even if you might be satisfied with roller shutter straps, your better half probably will not. And this runs through every trade and every room.

You have to plan very well, then it will work.

You can also build a house without an entrance platform, then it is also directly barrier-free. But yes, if that doesn't work, you have to build a small step in front of the house.

As I said, luxury. There are certainly millions who live like this and I find it almost somewhat degrading to say that you basically cannot build and live like this.

Nobody is degrading anyone here, it is purely about economic and sensible aspects. An air-to-air heat pump makes no economic sense in an Energy Saving Ordinance house; the OP will pay themselves stupid and dumb regarding electricity costs over the next 30 years. An air-to-water heat pump costs, for whatever reason, up to 10k€ extra with such general contractors. I'm not even talking about a controlled residential ventilation system, which is really a luxury. 2-3 power outlets per room are really not enough in a house nowadays. And I don’t even want to talk about 30cm of soil excavation at the side stored without disposal costs.

Everyone can build however they want, but—and I emphasize this over and over again—a construction performance description is almost always far removed from the "I thought that was included," meaning from the expectations.

It would be good if the OP goes through the construction performance description carefully and compares it with their real expectations and requirements. For example, I personally did not follow the craze of a tiled floor-level shower/bath.

Furthermore, I also question whether a Flair or whatever fits on a non-existent plot of land! Here it already starts, as a client in research you only see the lure price! That, for example, 10% of all still possible additional costs are missing, you do not see.

Basically, it is never about the budget, but about a healthy burden that one is willing to bear over the next 20-30 years.

You can also build, buy, or renovate with much less. It's just about not experiencing any financial surprises during the construction. Statements like "We are satisfied with the absolute standard." are just nonsense. Even if you could be satisfied with roller shutter belts, your better half might definitely not be. And this runs through every trade and every room.

You have to plan very well, then it will work.

I’m saying, there must be no surprises ... otherwise, it’s game over.

At least I didn’t see anything on the list that I wouldn’t classify as luxury?!

- possibly no outdoor faucet

? Luxury?

- no pedestal

?Luxury?

- Belt winder

Even if you could be satisfied with roller shutter belts, your better half might definitely not.

We have belt winders. I still sleep and live well. There are things , that you can’t postpone. Because it’s also about maintaining the value of a property, for example when the splash guard exists. Some banks also notice if the house is supposed to live in a desert; they require a minimum installation of exterior landscaping, because they see the house and land as a unit that should be properly executed.

? Luxury? ?Luxury?

Sorry, it was not my intention to start a fundamental discussion about luxury/standard. My main point was to draw attention to the fact that less is accepted as standard than many here suggest. Certainly, the boundaries are fluid, one wants a platform, another doesn’t because then it is no longer barrier-free. One absolutely wants two taps, another says, I have a well, I can get water from there, or I get the water from the utility room, so why have another tap outside where it can freeze. An extreme example is the chimney, which really nobody “needs”. So for me, the things that are standard are those that nobody can do without, and everything else simply increases comfort or appearance and is therefore luxury.

others simply increase comfort or appearance and are thus luxury.

The problem with this discussion here is that we are almost only talking about necessary things (let's leave chimneys aside) that have to be done. But you think that some things are not necessary simply because you personally do not know the necessity.

Certainly the boundaries are fluid, one wants a pedestal, another doesn't because then it is no longer barrier-free.

Uh... barrier-free also means that you don't have a pile of sand or a ditch right in front of your door.

One absolutely wants two faucets, the other says, I have a well, I can get water there,

one is enough... two are great, yes one extra.
A well also costs, is even more expensive...

or I get the water from the utility room anyway, why have another faucet outside where it can freeze.

... and that is actually somewhat unrealistic.
A garden needs water, just like you and me. And a hose running all day through the living room... if you can accept that, then you should seriously reconsider your wish to build a house.