FOMO (Fear Of Missing Out) How to deal with it?

Do it. Why leave the saved money to the financial markets when you can use it for your own home? Then the selling price it would fetch on the market doesn’t matter for the next 20 years. And if you want to go to Germany anyway, you need a place to live. Politically, single-family house plots in Germany are no longer desired, and demand for housing will massively increase again in the next two years thanks to Ukraine. However, nobody can tell you what will happen to prices. But investment in stocks can crash just as well, and at least you live in the house.

Do you have a construction obligation for the property? If not, you could also first just buy the property and then wait to start building until the current madness has somewhat normalized. Not necessarily the prices, but at least the totally crazy shortage situation.

You do know that you then also have to pay Swiss rents and prices. In a city, you can quickly pay 4000 CHF rent. Groceries cost 30 to 50% more. Employees pay health insurance out of their own pockets. Etc.

That's exactly why you can save 100 k€ a year. :D

But you do know that you then have to pay Swiss rents and prices as well. In a city, you quickly pay 4000 CHF rent. Groceries cost 30 to 50% more. Health insurance is paid by employees out of their own pocket. Etc.

That’s why half of Eastern Switzerland comes to Konstanz to shop on Saturdays. During the week, those who live closer than Zurich come ;)
Better exchange rate + German prices + VAT refund (and Swiss customs often don’t collect it)

Do you have a building obligation for the plot? If not, you could also just buy the land first and then wait with the construction until the current madness has somewhat normalized. Not necessarily the prices, but at least the completely crazy shortage situation.

The prices certainly won’t drop significantly anymore. In this respect, I wouldn’t wait recklessly either. It takes quite a while anyway until the offer and planning phase is over; then you still have to wait until you’re slotted in and suddenly 2024 is here. Accordingly, I would start now.

Prices will certainly not drop significantly anymore. Therefore, I wouldn't deliberately wait. The offer and planning phase still takes a while anyway, then you have to wait until you are scheduled, and suddenly 2024 is here. Accordingly, I would start now.

That was exactly my thought too. If you want to move in in 2023/24, you have to become active now anyway.

Someone has 600k stashed away, saves 100k eur per year, so until the move 800k and worries about the [eigenheim]? By 2024 you could pay off the house in cash, right?