From 0 to 100 in 3 years realistic? | Building obligation

I sometimes get the impression that people only know rising prices or growth. It was not 30 years ago that you might have gotten only 60% of the production cost for your house.

I also heard many opinions during the decision phase. Quite objectively, my view of things: If you build a house for, for example, €750k in a decent area and face the case that you have to sell after 10 years. Let's assume the value has dropped significantly (30% house AND land), that would be a "loss" of €225k and a selling price of €525k. Most people would probably already shout "Uiuiuiuiui." The alternative would be to pay rent for 10 years. A house in that class with conservative rent of €1.8-2k cold rent equals €216-240k rent over 10 years.

In my house, I have all the freedoms, don't have to coordinate with anyone, etc., at similar costs but with chances of maintaining or increasing value. Now some may come here again with maintenance, repairs, etc. If that bothers me, just rebuild every 10 years :D

For these assumptions, the location should not be the very last gorge in the Somewhere of Nowhere where you predictably won't get anything anymore because the realtor has to advertise the house as something only for "individualists," and you should be able to come to terms with the fact that in the case of changing framework conditions, the topic of house and living can also be subject to certain volatility.

I also heard many opinions during the decision-making phase. Here is my sober view of things: If you build a house for, for example, €750k in a decent area and have to sell after 10 years. Let's assume the value has dropped significantly (30% house AND land), that would be a "loss" of €225k and a selling price of €525k. Most people would probably already shout "Uh oh oh oh oh". An alternative would be to pay rent for 10 years. A house in that class with conservative estimates would also be €1,800-2,000 rent cold, which is €216-240k rent over 10 years. In my house I have all freedoms, don't have to coordinate with anyone, etc., with similar costs but with chances of retaining or increasing value. Now some may come here again with maintenance, repairs, etc. If that bothers me, just rebuild every 10 years :D For these assumptions, the location should not be the very last canyon in the Somewhere of Nowhere where you foreseeable get nothing anymore because the realtor has to present the house as something only for "individualists" and you should be able to come to terms with the fact that in the event of changing conditions, the topic of house and living can also be subject to a certain volatility.

I agree as well Our 80m2 apartment for €1350 warm is still enough For the second child it will be significantly more expensive Between €1500-2500 cold depending on size

If there is a negative market development and one has to sell the house, then many others will tend to have the same intention. Accordingly, the pressure on rents increases. I do not want to be in a situation where I can no longer finance my house with one salary and have to look for a 2-room apartment somewhere for our family. People have different risk aversions, but entering into financing easily that is not at all crisis-proof is something one should not do with family. I mean, everyone complains that you could buy a house with one income in the past. But back then, you only bought modest houses for one income. Today, houses are built that can only barely be financed with two incomes and are never realistically fully paid off. Such speculation on a rosy future is quite bold.

Wow. Proud amount.

From my own experience (2 small children in a new house):
Children, especially daycare fees, cost a disgusting amount depending on the region. Additionally, in BaWü, places for under 2-year-olds are scarce. So it might be that your wife can only go back to work in 3 years. You should ask around to see what the situation is like where you are.
We also initially thought "if we build, then do it right." By now, I’m glad we cut back everywhere. Kids are simply not known for taking care of the house. The Puky bike scratched the floor, Junior hammered dents into the plaster, the grout isn’t exactly fresh anymore because of nighttime accidents in the hallway (sleepwalking). I won’t even talk about the black streaks in the tub (the orca from Schleich had to eat the octopus at the bottom).
You can forget about the home cinema with 2 small kids for now. If the baby monitor even reaches the basement, you won’t feel like rushing two floors up, so you'll just stay in the living room.
Plan the house for a family instead. When the kids have left the house, rooms will be free and you can still realize your home cinema and have time for it then. Until then, you’ll also know if you’d even use it.
Whether a basement is really necessary… we don’t have one, but a well-organized attic. That’s plenty! The workshop is in the garage, and we only keep junk that we really need. A bit of minimalism does you good. You come to appreciate that even more with kids.

Better build something smaller (max. 150 sqm), without a basement. Live together as a family. What happens in 30 years, nobody can say anyway. Maybe you’ll do it like and build a cozy bungalow just for yourselves. With the house you’re planning now, you will never, ever build the house for a lifetime. You’re still too young for that. You won’t consider so many points.

If there is a negative market development and you have to sell the house, then many others will tend to have the same plan. Accordingly, the pressure on rents will increase. I don't want to be in a situation where I can no longer finance my house with one salary and have to look for a 2-room apartment somewhere for our family.
People have different risk aversions, but jumping into financing that is not even remotely crisis-proof is something you shouldn't do with a family.
I mean, everyone complains that you could buy a house with one income back then. But back then, you only bought modest houses for one income. Today, people build houses that can barely be financed with two incomes and are never realistically paid off. So much speculation on a rosy future is quite bold.

I’m not worried about that in Stuttgart.
It’s a large sum, but it can’t be done any other way.
No desire to be stuck in a 4-room old building apartment that costs at least 550k...

Our house has a market value of just under 900k, we will pay 788k after deducting subsidies

Huh? In the other thread you say the house costs 815,000 euros. You haven't even signed the notary contract yet! Unbelievable...