Financing a detached house of 140m2 in Bavaria - Is it possible?

I see no advantage in serial construction in the specific case, and a modular house is an undead crazy idea from spatial planning reformers that has been wandering around about four times per Halley cycle for a hundred years. The concept has not been able to establish itself in any of its previous attempts, and I see no change in this in future rounds.

Meanwhile, there are interesting providers. I recently met the sales manager responsible for Germany at Daiwa House. Really interesting company (one of the largest construction companies in the world is behind it). Also suitable for single-family homes – but only within the framework of a (smaller) residential development.

The concept has not been able to establish itself in any of its previous attempts, and I see no change in this in future rounds.

It is not only technical, but also societal and political framework conditions that determine the success or failure of concepts. Who decides whether the statement "that has never worked" remains valid or not? Example: Attempts to sell goods over the internet started in the 90s and initially failed spectacularly with the DotCom bubble shortly after the turn of the millennium. Retail predicted that buying on the internet would never catch on and proudly missed the changes in the framework conditions such as the development of bandwidth for product presentation, social media as an advertising booster, the smartphone as an "out of home" touchpoint, etc. The development in serial construction with standard modules is quite interesting. The framework conditions are changing in such a way that, on the one hand, increasing attention is being paid to the use of resources and their reuse, and on the other hand, the misuse of living space sizes is increasingly being recognized as a challenge.

Yes, it is said to have even been an IBM president who once misdiagnosed the world market for computers with maybe a dozen units. And the idea of colonizing Terra with humans who would be peaceful and enjoy using their intellect even comes from the Lord himself. Granted. What my speech was about, however, was the modular house in the sense of only adding a children's room when the pregnancy test recommends it, and serial construction in a batch size of one unit. My builders also use prefabricated lintels, of course, but the finished bathroom on the crane hook only makes sense when the task is a student dormitory.

Among other things, German bureaucracy is also significantly to blame. Submitting a building application every time for each individual children's room to be added simply makes it unnecessarily expensive. In addition, there is the comprehensive insulation of initial exterior and later interior walls. In Greece (also EU), the reinforcement steel for the next floor simply sticks out at the top. As long as the house is not finished, to my knowledge no property tax (on the house) needs to be paid yet ;)

Among other things, German bureaucracy is not insignificant in this.
Submitting a building application for every single child’s room to be added makes it unnecessarily expensive.
In addition, there is the comprehensive insulation of initial exterior and later interior walls.

Yes, the child would have to arrive within three years due to the expiration of the building permit (kind of like a construction obligation, hehe).

In Greece (also EU), the reinforcing steel for the next floor simply sticks out on top.
As long as the house is not finished, to my knowledge, no property tax (on the house) needs to be paid yet ;)

That would explain unfinished houses.

(...)
In Greece (also EU), the reinforcing steel simply sticks out at the top for the next floor.
As long as the house is not finished, as far as I know, no property tax (on the house) has to be paid ;)

That's how it is with rose-colored glasses... you only see what you want to see.
Youth unemployment in Greece is at 21% (Germany a good 6%) and corruption plays a major role...

The fact that the building authorities look the other way there is only funny until someone with serious money builds a villa right on the property line and lays the downspouts on your land. You can call the police, but they back off for a 50 EUR bill and even tell you not to make such a fuss if you want to avoid trouble in the future...
That gives "This is how a boss builds, you victim" a whole different dimension...

Surely not everything runs as it could in Germany... but I would rather not trade with Greece, Spain or Romania. And ultimately... if it is so much better there, then what are you still doing here?