House and property €284,000 financeable?

Well, you know, if you already earn good money at 19, unfortunately you're just not that smart yet and don't necessarily think about the future!

Everyone can handle that however they want, but then in the future (now) you just have to live with saving for a few more years to accumulate some equity. Then the situation looks different. So save now, plan, and start in 5 years with a large equity base behind you.

... then start thinking and saving now - sell the garage contents and in a few years you can approach it seriously again.

House building/purchase takes time and money - it has never been different.

You are young and have time; the money is purely a matter of impulse control.

Ready equipment means for those without:

·floating cement screed

·painting work – filling

·painting work – wallpapering

·floor coverings

·wall and floor tiles

·interior doors

·sanitary facilities

Then come additional purchase costs/construction incidentals, pattern inspection, kitchen, outdoor facilities, miscellaneous, reserve.

It probably leans towards 400k€. Depending on equipment preferences, also significantly more!

Finished equipment means for those without:
·floating cement screed
·painting work – plastering
·painting work – wallpapering
·floor coverings
·wall and floor tiles
·interior doors
·sanitary facilities

Seriously? Bien-Zenker offers without screed, sanitary and interior doors? That's disappointing. They drop 5 steps down on my image ladder. I wouldn't have thought that.

What is in the garage? Could a sale possibly lay the foundation for the home?

Otherwise: You are just at the very beginning, if not even a few steps before that. Start slowly and also look around at other providers. Consider what you actually want (solid construction, timber frame...?). Does the plot of land even appeal to you? Or are there possibly much better plots in terms of location, size, etc.?

Are self-performed services an option? The time should be there, without children.

There is a vintage car in the garage! With this, it might possibly already achieve a good sum, however, a sale is out of the question as it is an heirloom that I have now been restoring for over 6 years with a lot of time, love, and indeed money! But is it possible to use an appraisal to possibly pledge the vehicle as equity? Similar to having a property?