Interest rate development current situation. Build now or wait?

Definitely - especially if you also have a tendency towards community, or like having people around and don't want to live "alone."

It hardly matters, but it is still interesting. Professionally, I deal with people who have been in life-threatening situations or have lost other people. And it really is never about "oh, how glad I am that I had a big house with a garden" when dying. It is almost always about community and meaningful connections and meaningful activities. Very rarely about possessions.
Unfortunately, our society has largely lost sight of this.

So you don’t have to be a "community type." Everyone would have been happy if the neighbor had shoveled the snow. Even if you are not a "community type." It is a little piece of everyday joy that makes life richer.
Otherwise, I hear or see nothing from my neighbors. Maybe that's because of their home office. :D

I don’t see any plot of land here, and I don’t see any house construction. I rather see a purchase of an existing property.

That’s great!

What do you think, how bad you’ll feel if you have to finance €400,000? Don’t get me wrong – but construction costs consist of house costs, land costs, purchase incidental costs, construction incidental costs, outdoor facilities, and kitchen. From the saved €40,000, just the incidental costs are covered.

No, no one can... I think you mean that everyone thinks they can build a little house because loans are so cheap...

I think he’s annoyed by the superficiality of some. While you yourself plan the next phase of life with a goal and save money over several years, others think they can just snap their fingers “I’m getting myself a house now – you keep saving.”

Yes, everyone has their own fate that can push them back. You don’t have to be ashamed of that. If someone was set back years ago, for whatever reasons, they are no longer in the starting situation where everyone was equal. Those who study after vocational training have more money later and can save faster, but they start later. Those who finish the vocational training quickly can start earlier, not with as much, but enough for the little house. Illness, having children, parents, studies – those are all factors. Ultimately, though, it’s about the money, which has to be enough. And I don’t see any new construction with you, no vacant plot with a soon-to-be house. And even plots without developers usually have to be built on within 5 years. Private ones still work, gap plots, but those are mostly even more expensive than municipal plots. Nevertheless, save – it doesn’t have to be the incalculable new construction, there are other ways.

A purchase is not an excluded option.
Thanks for the hint about the building deadline.

However, only houses that are already located in very expensive areas are available for purchase here. So the price somehow comes out about the same. At least that's what I think, please don't laugh.