How to afford building a house and buying land today?

You've already received some answers or rather questions. So first, give me the info! What do you mean by the 250k net? You don't mean without VAT... just pure construction costs?

What do you even mean by the 250k net?
You don’t mean without VAT... pure construction costs?

250,000 net + ancillary construction costs in the amount of the equity

1-2%... That's less than inflation, so you could say as long as you have a loan, you're making a profit with it - exaggeratedly put. At the moment, there is nothing better than going into debt.

Debt increases your own risk. 20+ years is a long time. A lot can happen in the private sector, property prices/rental income or the euro itself can fall, the political situation can change, drastic laws can be enacted. In many cases, you might be better off without or with lower debt. Maybe not. Without necessity, I would therefore not overdo the amount of a loan, no matter how cheap the money is.

We are increasingly getting accustomed to an anxious preservative all-risk behavior. What quality of life does a person striving for security have? A "few years" ago, Epicurus already stated: "It is possible to secure safety against others, but with regard to death, we humans all inhabit a city without walls."

I do not want to preach a victim mentality. Moderation is a virtue that also seems to be lost.

Already owning a house is a piece of security, not only financially speaking.

The average nomad is probably happier than the average house builder.

Interpret that for me? What is net? What is gross? Property? Sorry, I'm too stupid.

I don’t want to preach a comprehensive insurance mentality. Moderation is a virtue that also seems to be lost. Having your own house is already a piece of security, not just financially. The average nomad is probably happier than the average house builder.

The rental nomad?

Everyone has to define risk for themselves. But you also have to stay realistic. If you don’t leave the house, you can’t be surprised by bad weather... but you also don’t get much sun. If he wants to be finished in 25 years with over 4K net income (I get the net part ) and ends up at 250k, then that’s a rate of 1000€. With that, you simply can’t finance a house under these conditions. But that has nothing to do with not being able to afford it.