House construction costs in 2024, 2025, or not at all?

Does it have to be a new building? Could you sell the property again? It will be difficult, I see it the same way as the others. It's curious, because your income is not bad and you don't even have children yet and have plenty of time to pay off, yet it is still difficult. Personally, I would rather look in the smaller existing stock, possibly a condominium if that is enough for you. There is a reason why all the others have dropped out again.

The times for inventory are bad. Prices are still quite high, as are interest rates and renovation costs, now mandatory. Such a savings model only works in areas with very low inventory prices.

The times for existing properties are bad. Prices are still quite high, as are interest rates and renovation costs, now mandatory. Such a savings model only works in areas with very low existing property prices

I don't see it that way. Price drops for non-renovated properties in the vicinity of cities are up to 30%. If I buy a house with a gas boiler now, replace it, and carry out any necessary energy renovations (upper floor/roof insulation + small stuff), I can live in a nice house for a long time without a high investment. Yes, heating costs may rise. But they do so in rental apartments with gas heating and no insulation as well. And in 5-10 years a) creditworthiness will look different and b) the availability + prices for heat pumps and insulation (as by then mass products) in my opinion will be significantly lower.

that the parents "pay" for our plot of land so that we would start the house financing with 0 euros "debt" and the land in possession. But that would possibly need to be discussed again in due time...

They themselves have too little to support, as you say.

My plan is currently actually only, in the coming 1-3 years

[*]to pay off as much as possible of the land loan

Why only then? You have 5000€ available and a warm rent of 700€. Savings rate and financing for the car… where is the rest? I would put everything or much, much more monthly into the land if you want to build on it eventually.

Hello,

of course you could work two full-time jobs. When children come into play, everything becomes very tight. At the table, only money and vacation in the garden are talked about.

That will be tight. One thought on financing: At what interest rate is the property financed? If it is still very good, it might make sense to repay less and thus save up the equity.