House Building Forum - Would you buy or build a house again?

For us, it is also about 30% of the "normal" salary, although my husband has earned significantly more this year (and probably also next year) due to working away from home, and we have largely invested the additional income in purchases for the house.

Unfortunately, we also had much equity, as I was the sole earner due to my husband’s studies and of course able to save a huge amount. However, we got our plot for free (partitioned from my grandmother’s property), saved some costs through sweat equity, and our house was quite inexpensive. In total, we have invested about 260,000 euros at this point; only the carport is still missing, so we will still have a significant amount left on the loan, which will then go directly into repayment.

I think this roundabout 30% is the magic number. Then you can build.

hmm, are you married? Have you already left a permanent signature at the registry office?
Could it be the fear of decision?
Usually, the thought of paying forever into someone else's pot as a tenant is what leads to the idea of ownership.
However: travelers should not be stopped. You have to have the settler gene if you decide on a property that also applies to a relationship between two people.

If it ever becomes too much for you, there is always the alternative to sell. That is not a disaster, nor a step backwards. Then you just have one more attempt in your CV than others who have never tried.
We are at about 28%.

We are at about 28%.

And once again the magical approx. 30%.... number.

That is the number of reason in construction. I think.

I built in 2009, but had to give up the house because of a separation. And yes, I am building again. This time even nicer and more individual, with the same construction company. The first time was for practice

No more lifelong rent, but paying off to have more money in retirement. No more compromises regarding insulation, floor plan, or electrics. Terrace for grilling, a small garden, washing machine in the basement (for me pure quality of life, I don’t have to get dressed to go to the washing machine because I might meet someone in the stairwell, nor do I hear the machine rattling at night when it is in the apartment).

If the plan fails somewhere on the way to retirement, however, I have no loss in value here in the area and can sell or rent out.
And whenever I have taken a risk after careful consideration so far, it has moved me forward in life. Although I try to keep the risk as low as possible with life insurance, disability insurance, and precise calculations

Well... you can't really speak of 30% so generally. Our plan is around 50% of the net within the first 5 years, which is quite high though. From year 6 it goes down to 20%. Loan amount 500,000. Fixed at the bank (1.5% repayment), however, it is only about 13% that we have to provide (just in case).

Regards, Steffen