How to afford building a house and buying land today?

And in some comments you can already read that some people can’t do it but did it anyway

I believe you are not really interested in the discussed matter.
It’s about the fact that you don’t get a loan.
Because against property, whether used or forced, you have nothing. You just have to pay in cash. And there is more often a bargain that you can theoretically afford.
It’s just that you talk about saving alongside rent, which all of us who have already built or are currently doing so have already been through. Paying rent and simultaneously building the nest egg. And now you come and want to do everything differently and speak badly of it, although your math skills don’t really convince anyone here. And if you’re honest: not even yourself.

And further regarding the original post:

If you think that you can get a house for the price you have in mind + land + additional costs, then that’s good. What is this thread even for if you manage it anyway and the opinions and questions here are just attacks on you?

The original post is not by , but by a Berliner who has long since withdrawn.

The original post is not by , but by a Berliner who has long since withdrawn.

I meant the thread starter (if he is even still involved at all), not the rent-saving advocate.

A landlord also has nothing to give away and probably wants to see some kind of profit. After all, he has to manage a big investment (namely the property to be rented) before any income flows in. Okay, his advantage is that he can possibly deduct loan interest for tax purposes. Otherwise, it is logical that a EQUIVALENT property rented cannot be cheaper than bought; the landlord himself has to cover the purchase price and pay for all those repairs from the rent that the owner-occupier also has to bear. The latter may be a bit quicker to act when something no longer appeals from a design perspective. The point is, at least as far as I know, single-family homes with gardens are only rented out relatively rarely. I know exactly one family who are tenants in a single-family home. And when I searched, I almost never saw a corresponding offer. Only once a terraced house, living area 90m² with some garden, cold rent as high as the current loan installment for my 110m² single-family home. Oh okay, and once I saw a single-family home for sale on a portal, inhabited by loyal tenants... The demand for "living in a single-family home with garden," I think, cannot be met with the rental offers in this sector. Yes, compared to my 70m² prefabricated apartment, my housing costs will double in the future. But for that, I have one and a half times the space, a small piece of land, a significant improvement in all rooms and in comfort. I just can’t compare those and claim that as a tenant I would have saved that much!!

Sure, you would have saved. But not only money, (for you) also comfort. You pay for this comfort, and that is why owning a single-family house is a luxury. That living is usually not comparable is probably agreed upon by everyone.

Of course you would have saved money. But not only money, also (for you) comfort.
You pay for this comfort, and that is why owning a single-family home is a luxury.
That living conditions are usually not comparable is probably agreed upon by everyone.

That is correct, but the point I wanted to make is the following: if I wanted to rent my single-family home now because I want the comfort, I would have to pay correspondingly high rent! Much more than for the above apartment. Probably even more than the mortgage payment, if I consider the prices in our city.
As a tenant, I might only be able to reduce costs more easily if the comfort is no longer worth the extra charge to me.

We had made the decision to build a house simply because, sooner or later, we would no longer have been able to afford the rental apartment, but a house would have been affordable (in terms of the monthly burden), and if I had known how everything would develop, I should have built two houses right away.

Because today (only about 9 years later) I could sell my house with a 200% profit. With all costs and expenses, taxes, and prepayment penalties, there would still be a 100% profit.

Suitable for the OP, within Berlin.