Inject equity or finance completely?

halmi, you mean that the same house built 1 year later costs about €20,000 more? if we wait another 3 years, the house will cost about €60,000 more? isn’t there eventually an end in sight for the price increases

Nobody knows when the end will come. Currently, it is such that you hardly have any returns during the saving phase, and hardly any loan interest if you build immediately and at least put the land in as equity. And with an earlier build, you pay rent for the old apartment for a shorter time. Of course, you sleep better with more equity. But except for the speculation on an end to the boom, that’s the only argument against building immediately.

Well, at least until the studies are finished and a proper income is coming in, one should wait with the construction. But honestly, if you start planning now, it might not even begin until next year anyway... So secure the plot, finance flexibly, start the planning phase, and then go as soon as the OP is employed.

Buy the property in cash, if possible. Contrary to all previous posts, this has only one real advantage, namely the savings on multiple notary and court fees.