First thoughts about one's own house

One more addition that will probably make me unpopular now.

In case of illness, I continue to receive my full salary, even for several years. Disability from work would really be a problem. I have had high accident insurance since my childhood. So the risk remains of a serious illness with early retirement. I will inquire when and how much I would receive.

And to confirm the prejudices. I have 12 weeks of vacation. There must be something possible with that.

It is nice that you have a lot of vacation, but trades do not wait for Christmas, Easter, summer holidays, or until you have time again to cut slots or lay empty conduits. What you mentioned is uninterrupted vacation for painters, moving, laying floors, and landscaping. The part of your own work is almost always included and only marginally reduces your building costs.

First, familiarize yourself with the current construction prices, i.e., from 2019, and try to calculate a hypothetical loan amount with all the costs that need to be financed.

After that, you can also see whether further steps are worthwhile.

In addition to the 100k, is there more equity available? What does a plot of land cost and how many square meters does it have? How much do you earn per month? How big should the house be? Apart from that - why do you need a house for two, or if your child moves out - for one person? Isn't your own apartment enough? Regards

Personal work must fit your vacation and that will be difficult. What if your son is sick and, for example, the electrician is waiting for the slots.

Clarify everything and also outline what you want for the house. Size etc.

That you are so well secured is fine.

I would move to the countryside, towards hobbies, friends and relatives. You can also change your workplace.

I would also like to know what remains for you with A13 :)

There are plenty of holidays available for building (so now go at it ;-)).

You do have a sense of humor.

As a burned child, I will definitely build and finance without a partner if possible. Then it belongs to me, no matter what happens. At this point, I am completely unromantic.

You can incorporate experiences,

A ... man ... is ... thus not a risk.

... and you are realistic too.

How do you assess the place-of-residence discussion?

I would rather not want to see someone as a hermit. That sounds like you when you write about the Alb.
I also see the hormones that cannot be switched off: even burned and scorched wounds heal, and eventually the desire for partnership and physical contact appears. That does not have to mean the end of a home, but I would still let this claim, which may come eventually, flow into the consideration.
Also the remaining social needs, going to the cinema or eating out sometimes, just a bit of the urban life and contacts around do good. Also for your boy.

In this respect, I would probably invest in a plot of land that would also be easy to sell because of its location, if your life plans were to change.

There are loans here for individuals who are civil servants for life. I have such in the faculty.

Phew, I once deleted a quote here... it is incredible when one - now I have to use ugly words as well - reads that one should/could no longer get a loan from 35+. These people lack a bit more lived or learned life experience than they have nowadays at their not exactly young age. Shoebox meets drawer... but that is so tight :D
Fortunately, you don’t have blinders on and therefore know that you can still finance 300,000€ even at 40 or 50 plus, yes, even as an employee at 64 (well, maybe not 300,000, but financing is possible)
And as a civil servant, it also works beyond retirement. All experienced within the normal range.

I see own contributions more in the interior as well as parking space, yard area and garden.
Houses in Germany according to energy saving regulations are better to have built if you are not a specialist ;)

it's unbelievable when you - now I also have to use ugly words - read that you shouldn't/couldn't get a loan after 35+. These people then lack a bit more lived or acquired life experience than they currently have with their not insignificant age. Shoebox meets drawer... but so tight :D

Yes, yes: the good old life experience, this argument will surely convince every banker in lending. In forums, you can also score points with that if you don't feel like dealing with the facts. For my part, I stick to the facts, and unfortunately, the facts here lie in the shoebox. Maybe it doesn't fit your worldview, but:

that you can still finance €300,000 even at 40 or 50 plus, yes, even as an employee at 64 (well, maybe not €300,000 then, but you can finance) And as a civil servant, it works even beyond retirement.

... does not help us, because she is neither 40, 50 nor 64, but: 35, single mother, with zero equity and a significant private loan hanging over her. By the way, civil servant is not equal to civil servant... her pay grade is A13...(!!!) Google helps to put this into hard numbers.

Just as her automatic salary increases rise, eventually child support and child benefit will cease, this is a zero-sum game on the income side.

That it can be calculated I showed right away in the first answer, the question is which bank will play along here. I also don't assume anyone will get sick, but the bank cares that the house is finished. Say goodbye to the emotional level: if in a partnership one drops out (illness), the other can at least still do something. This is reflected in risk figures and a mathematical model, whose result is whether the bank accepts the project or not. Currently, almost everything is red, but age is still (this year) green: therefore applies: NOW OR NEVER

What remains monthly at A13 after PKV?