How much does a semi-detached house cost? Is it much cheaper than a single-family house?

Good morning people,

yes, maybe it is not 100% thought through, how should it be. When you go to the construction companies, they first want to see a building plot, then they give you an offer. The desire to build has existed for years. If you knew what kind of apartments my mom and I are currently living in, you would also advise me to move out immediately. Besides, a death in one of the apartments in 2016 intensified the urge to move out and fulfill the dream of owning a house. No, the desire to build has not existed since I got the plot. The problem is that until Monday I thought I could buy the plot together with someone to build a semi-detached house. But unfortunately, that is not possible. And the city is pressuring to sell the plot immediately. Sure, my wish is a single-family house, but can I afford it? The house is not planned only for me or my mom. I want it to be built so that my mom gets 2 rooms in the half-basement (I think that's what it is called), so a basement that is not completely underground. That is enough for her if she comes to visit me. She made this suggestion. And if I should marry, my mom will anyway go to our homeland and visit me from time to time. After I should get married, I can also better afford it if my wife is working too. And until all this happens, my mom will also contribute financially. We calculated it yesterday, we have more equity than we thought. It's about 120k. But we don't actually want to pay it all in. Sure, it would be better if you then had to pay less to the bank, but you should also leave a buffer. About my salary, if I just take 1-2 Saturdays, I am already at about 3000€ net per month..

So then it looks better than expected. 120 as equity is of course quite good. Why do you want to build a basement for your Ma? Is it a hillside property? That would unfortunately make things more expensive. Otherwise, I would build a classic small single-family house. Maybe a "guest room" with a small bathroom for Muddi downstairs and normal bedrooms, bathroom + double child room upstairs.

I also want a basement like that.. I want to set up a hobby room there, etc. If you already have a basement, it also makes sense to set up 1-2 rooms. It is a gentle sloping plot. Then you would have to build the house a bit higher? Those are just considerations..

A hobby room can also be set up upstairs, as long as there are no children. After that, the hobby is over anyway. The basement thing I would dismiss, as long as the property does not require it. Too expensive and who wants to live underground?

...maybe I should also recalculate my equity or I might possibly find another 50k€ somewhere in the basement

Just kidding. No offense meant.

If you / you don't have to pay back the extra cash that has appeared now, then it looks much better than in the initial post.

The income increase overnight also makes everything much more realistic.

The money didn't just turn up somewhere in the basement, don't worry I just didn't know the exact finances of my mom. The thing with the equity was maybe expressed incorrectly. I meant to say that we want to contribute about 60-70k. Well, be that as it may, I will make a decision tomorrow..