Floor plan single-family house 240 m², 2 full floors without basement, solid construction

In another thread, I described it as a possible (!) option that was immediately and radically laughed at, but I still find it an option that is certainly not suitable for everyone but still possible: moving into the house while it is still a construction site (which construction phase it now is, that is certainly debatable) and then doing each room step by step yourself in your own work. Some things cannot be divided (heating for only one room just doesn't work), for others you need endurance. My parents did it like that back then (of course without children at the time), which of course meant no other hobbies for several years.

Here in the Munich district, 2 million are being asked for houses of this class including the property, in areas with cheaper land prices still 1.5 million. I already find the mentioned 880k ambitious for the house including the many things one reluctantly takes with it but has to take in because they are simply unavoidable.

My parents did it that way back then (of course without children yet), which naturally meant no other hobbies for several years.

But nowadays you just can't finance that. Just tinkering. When we talk about own contributions, we are not only talking about the painting work. You save around 10-15 thousand, but not 100-150 thousand.

But nowadays you won't get that financed. Just tinkering. When we talk about own work, it's not just about the painting work. You save about 10-15k, but not 100-150k.

Good point about financing. Back then (house construction was in 1953) it was still possible or relatively normal to first build a house and, for example, only finish the ground floor.

And just off the top of my head, to actually save 150k, you would have to do trades worth 500k yourself. Then you wouldn't do anything else for years.

In another thread I described it as a possible (!) option which was immediately ridiculed in a radical manner, but I still think it is a variant that is certainly not suitable for everyone but still possible: moving into the house while it is still a construction site (which construction phase this is can certainly be debated) and then doing the work yourself step by step, room by room, on your own.

Please link where it was "radically ridiculed."

Some things can’t be split up (heating for just one room simply doesn’t work), for others you need endurance. My parents did it that way back then (of course without children yet), which naturally meant no other hobbies for several years.

But nowadays you can’t get that financed. Just tinkering.

Good point about financing. Back then (house was built in 1953) that was still possible or relatively normal, to first build a house and, for example, only finish the ground floor.

In the past we had an emperor, in 1953 they tiled 15x15 cm tiles behind the sink and up to shoulder height only in the shower. A key decisive point here is that this semi-finished house is less attractive as loan collateral and will be financed less favorably.

When talking about own work you don’t mean only the painting jobs. That saves about 10–15k, but not 100–150k.

And just off the top of my head, to actually save 150k you’d have to do trades worth 500k yourself. Then you won’t do anything else for years.

Either way, you won’t recoup the fat square meters in the labor share of carpets and wallpaper. Not even Tim Taylor.

Hello everyone,

then I will release my financial plan for completion.



Yes, there is a lot of personal effort involved and I have a construction supervisor (not professionally) in the family who supports me a lot.

Please link where it was "radically laughed at."

On it was labeled as a clay hut and dismissed as an invention in another thread (I can’t find it right now). Yes, sorry, my grandparents simply built like that back then because they could afford bricks but not plaster-mixed faucets. At some point, the whole house was just finished. You can do it that way, but you shouldn’t calculate the hourly wage.

A crucial point is that this semi-finished house is also less attractive as credit security and will be financed less favorably.

Absolutely.

Either way, you won’t recoup the fat square meters on the wage share from carpets and wallpaper. Not even Tim Taylor.

I did a lot myself in my house but really only where it made sense and partly I just did what was quickly possible—for example, I simply ran a non-connected electrical cable to the toilet for a possibly realized luxury toilet at some point. The cost and the work were exactly ZERO for that. Sure, if I want to put it into operation, I still have to connect it in the distribution box. But for now, it saved me the money for the electrical pre-installation.
On the other hand, when it came to drywall casing of the sewage pipes in the basement, I only briefly considered what the material including waste and trial-and-error would cost me as a private person, and even without expected costs for paving, I came up with higher costs than my drywall contractor offered all-in. I watched them a lot at work (not because I supervised them but because at the same time I was installing the cable ducts in the basement), and the speed and precision with which they worked—doing it myself would have taken a year of my life and would have been more expensive as well.

So by now I’m very, very cautious about “saving by doing it yourself.” Especially because I like to do a lot myself.