Help with laying the foundation stone for house purchase?

Me and my girlfriend.

She is right... anyone who can read clearly has an advantage :D

Me and my girlfriend.

Then I misinterpreted single and childless - also in connection with the whole first-person perspective in the initial post.

All this running around and everyone telling something different is driving me crazy!!

If you provide information like that in your inquiries, information can also be very confusing. Get used to including your girlfriend.

I have a question regarding Wohnriestern. It works like this: for example, I conclude a Riester home savings contract for €30,000 and then, if I need a higher loan, I can increase it (75% of the property value). So, for example, I have expenses of €300,000 - I have €75,000 in equity and then need €225,000. I can then increase this €225,000 by the €30,000 Riester home savings contract (at the interest rate at the time I concluded the Riester home savings contract).

So I would pay only the interest for the first 10-12 years until the Riester home savings contract is ready for allocation, and it would then repay the loan. Did I understand that correctly?

Now to my actual question, is there a possibility without Riestern? Since I want to build in the future (2-5 years), of course, I do not yet know how much loan I will need at that time. I want to secure the current interest rates. Is there, for example, a possibility to conclude a home savings contract without Riestern and then increase it at the appropriate time or exactly the advantages without the government subsidies?

The advantages of a Riester home savings contract are quite clear: guaranteed interest rates, I can use the loan at any time (next year or only in a few years), the home savings amount is not fixed.

However, since I do not want to have a Wohnförderkonto in which I pay taxes in retirement, this is only an option for me to a very limited extent.