How to afford building a house and buying land today?

Yes, in the USA it is somewhat easier, you are right. It feels like you get rid of a rental apartment faster than a house.

Cool - people buy all the houses, the environment is happy if you can no longer afford the vacation by plane or the cruises

You really can't compare our living culture with the USA (not judging!).

Could be, but doesn’t have to be. We are currently selling our townhouse with a good 100% markup on the full construction costs from 2001. It could have gone worse. You might lose some money. So what? That’s just how it is when you realign your life. Guess how many people go through the same when they separate? Everything is doable.

Yes, that works because of the amazingly increased costs and the great low interest rates. But interest rates can’t go much lower, so I definitely don’t see prices doubling in the next 15-20 years. My crystal ball says it will rather stagnate at this level.

Well, then at least there is no loss when changing the direction of life and the associated house sale.

How are you calculating? How old are you? What are your wishes? Family planning? Why be done in 25 years? Why not push the limit? Income/expense calculation? Other liabilities?

With 4xxx net, a rate of €1,500 should definitely be possible – what do your finances say? With that, you can finance, for example, €450,000 at 4% annuity. Is the rate too high?

You have to tell a lot more about yourself to get sensible advice.

In the first post I just wanted to sound out... the response to the topic is quite large!

And why this corset? Because you are a fundamental pessimist?

I found that the first unserious answer. I am not a pessimist, but an engineer who understands something about numbers and mathematics, as well as a realist.

Why do you want to pay off the loan as quickly as possible?

The question is: From when is financing healthy?

Well, that’s exactly where opinions differ.

Sure, with 4k net you can pay €1,600 monthly for 30 years. Then you still have €2,000 to live on and everything seems good. These figures are considered healthy by some here.

I consider the figures “unhealthy”.

I agree with that.

Many answers have been given here like: Why not finance €400,000? My answer: Why not €600,000 right away? You can also spend 60% of your income...!

But who says that it will always stay like it is now with 4xxx euros? Income will change and can fluctuate. Certainly: My wife will also become a real estate agent or get that qualification this year. But we are also planning to have children next year: parental leave, afterwards several years my wife will only work 30 hours. I support my mother financially. What about unemployment, periods of illness, etc.? What about upcoming repairs and financial reserves for the house and bad times?

I CANNOT understand why one wants/must pay the rate down to the last cent. I addressed this in my first post. But apparently it did not come across clearly, or some have overlooked it.

In THEORY, it is also possible to get land + house for 250,000 euros.

I would like to provide a practical example, but posting links is not allowed here.
However: There are plots of land for under 100,000 in the Berlin commuter belt.
There are turnkey prefabricated houses for 130,000 euros.

Of course: Does that come with fun, quality, satisfaction, etc.? Possibly, or maybe not quite perfect. But it is possible!