How to afford building a house and buying land today?

This is money that I as a tenant do not have to raise in these 30 years. For me, a clear reason not to take on huge sums for housing.

Sorry, unfortunately miscalculated. 1. Tenant = 1,300 x 12 x 30 = €468k = €550k with rent increases You give this money to the landlord in 30 years and have in return after 30 years = €0 and "only" lived there. 2. Owner = 1,800 x 12 x 30 = €650k + new heating and windows = €680k You give this money to the bank and have in return after 30 years = €400k house value (I estimated some number, there is still equity involved) and lived there If you subtract the house value from the payments, €280k remain as "cold rent," which is significantly lower than the tenant's. Do you see the difference? For me, a clear reason not to rent at current interest rates. As a tenant right now, you can only lose. If you calculate, then please do it correctly.

Well, if he really saves to have dry powder and a good rent, waiting for the [Zwangsversteigerung] opportunity is not wrong. Only, with that, cash is king. There is hardly any time to arrange large loans first. It has to happen quickly. Often those who actually want to do it are too cowardly to go through with it. At these auctions, a pretty rough clientele meets, carousel operators, flea market dealers, disco or nightclub owners, pimps and low-lifes, etc.

Well, if he really saves up to have dry powder and good rent, waiting for the foreclosure opportunity is not wrong. Only, in that case, cash is king. There's hardly any time to arrange large loans first. It has to happen quickly. Often, those who actually want to do it are too cowardly to go through with it. At these auctions, quite a rough crowd meets, carousel operators, flea market dealers, disco or nightclub owners, pimps and floozies, etc.

I never talked about foreclosure.

And I’ll save myself an answer to the rest of your punchy "arguments."

Well, these divorce disasters always happen at the local court.

You can either wait 10-20 years for the divorce houses or buy a divorce house that is 10-20 years old now. There’s no difference, except that you live in it 10-20 years longer.

By the way, most of these dreadful renovations and maintenance works are highly voluntary. I see it with my parents. Built in the 70s and almost everything that has been done to the house since then was not necessary in the sense that the old thing no longer worked. The new windows are prettier, safer, and insulate better, yes. But the old ones would have still worked. The roof is now asbestos-free but as long as the asbestos is on the roof, it doesn’t harm anyone. The bathroom was fully functional, just not as pretty anymore. You would have had to wait longer, everything eventually comes back and so on.
The heating was probably the only thing that was mandatory, but I’m not sure about that either.

Of course, my goal is not to never renovate or modernize something, but in a paid-off house I have the freedom to postpone or bring it forward. When renting, you are at the landlord’s mercy (and partially have to pay for modernization anyway). The house doesn’t collapse if you don’t modernize it, but you always have to keep paying rent. Promptly every month, for life.

So if I pay 1300 somewhere for a cold apartment, then a house there probably also costs 1 million.

And I'll calculate primitively now, just as I am

The 500 euros you pay more than the tenant I calculate over 30 years. That's 180,000 euros. Then interest of around 100,000 euros, which is still calculated generously, we're already at 280,000 euros that I as a tenant don't have to pay. Maintenance costs and renovation on top of that and we're over 300,000.

That's money that I as a tenant don't have to come up with in these 30 years. For me a clear reason not to take on huge sums for housing.

I'd rather continue to save equity and look for cheap divorce houses in 10 to 20 years
If we ever really want something of our own.

Sounds harsh, but it's reality. Many relationships simply can't withstand the construction and financing stress.

If I sell the house at the same price I bought it for, then after 30 years but after spending the 300k you calculated, I own 400k.

Even if as a tenant I diligently save the 500 euros every month, I only own 180k.

So as a tenant I would have to deal with safe, well-interest-bearing investments to get to the same, right?