How to afford building a house and buying land today?

Are you guys watching "Mountain Life" on TLC by any chance?

There are lots of users here who have made the decision to sacrifice a large part of their current salary for the house every month for 20 years and more

Rationalizing and sugarcoating are part of the daily routine here. Thus, the tendency of the answers in this forum is clear.

So, don’t let yourself be backed into a corner here. Don’t believe everything that is written here. And don’t be unsettled by statements like "why this tight corset?" or "why not max out the limit?" Sure, listen to them and think about them! But don’t forget WHERE you are asking here. Every coin has two sides

Just checked, that’s already insane. But definitely not for people with children, or those who want to participate in a social life. A dream for a break as a second home.

So you don't have to pretend that this is a risky and speculative bet on the future. Provided the financing is healthy. There are risks, of course, some can be hedged.

Wrong! And if I remember correctly, you criticize the users here, that is, the respondents, when they question the smooth-talking questioners critically.

Why are you actually still here if, in your opinion, things are going so utterly wrong here?

Germany is the export world champion (okay, not anymore, but still a good third place) and will remain there in the medium term.

Berlin is the capital.

Take a look at other capitals and see how much houses and land cost there, and then be glad that everything in Berlin is so cheap. Without war, prices will rise. Many don't want to see that and babble about bubbles, whose horizon, however, ends at the national border at the latest.

In other regions of the world, it is generally common to invest 50% of the household net income in rent.

How much would a comparable house cost you in rent? Why exactly should your house-building project be cheaper than that?

We pay 50% of household net income (at the time of application) in installments – in 7 years our rate will be lower than a comparable rent, in 10 years our property (in the commuter belt) will be worth double, and in 20 years our parents will be dead. In 35 years I will retire, and our household pension at that time is already three times the installment today. Trend is rising.

Our household net income has increased by 17% between loan application and full payout of the loan due to collective agreements, step promotions, and my wife’s job change.

Then just take out half a million, build yourself something nice. The limiting factor is not the external circumstances or the bank. If you want to build, the banks are waiting for you. If you prefer to wait, you will probably have to wait a very, very long time.