Financing a single-family house with land subdivision - risk or opportunity?

Not with so much bamboo

Hopefully it will be appropriately separated. Otherwise, the lawn mower won't have to come around for much longer.

That’s nonsense. For the sandbox or the trampoline and the small inflatable pool, it’s definitely enough. And with that, 98% of all kids and parents are already satisfied. Around it, a few flowers/plants and the garden is complete. This is what, for example, 120 sqm garden including terrace in a semi-detached house on about 220 sqm plot looks like.

Nice to see that there’s still room for a trampoline. Ours is happy about that.

Trampolines have a very high accident rate; just ask [Kinderspital].

Trampolines have a very high accident rate; just ask the children's hospital.

The last 3 years went well. You just have to be careful.

Trampolines have a very high accident rate; just ask the children's hospital.

Well. Stairs too. Our kids plus the neighborhood kids roughhouse on that thing every day. So far, nothing has happened except for bruises. Life is a risk.

Otherwise: Just build a manageable single-family house on the property without subdivision. It doesn’t have to be a 500k place. I would also leave out the granny flat, unless you like having someone living below/above you. But if I build alone, I want to have the advantages of that. In terms of price, you’ll come out about the same.

And think again about the basement. Whether it really has to be there because of the slope, or if a larger two-story house would be more worthwhile, then with storage rooms and guest room/office on the ground floor.

As for the garden: Don’t plan it too small. I always thought 50 sqm would be enough for me. Now I have 500 sqm and I’m wondering where best to place the next fruit bushes. I was never a fan of vegetable beds, but now I have quite a few. For a keen snacker child, you put a lot up. And I think I now have over 100 sqm of flower beds.

Regarding financing: Definitely factor in parental leave/childcare time. That can really hit financially hard. A wedding (if planned) should also be financially considered. We almost got hit hard by that.