Interest rate development current situation. Build now or wait?

Yes, that's probably true. You always forget how fast they grow up. I was just pregnant yesterday :)

I'll put it this way. When I look back and see how things have turned out and whether I had even remotely planned or anticipated it......? A clear answer: NO, and I’m certainly not alone in that! One example: In my circle of acquaintances, there was a family living in nice but rather "unfortunate" circumstances. Both children absolutely did not want to leave. So they struggled with it, but eventually did it anyway. If you ask them today, they no longer understand themselves and say that they almost listened to the children. But how are children supposed to grasp something like that or be able to participate in the decision-making as children? Those same children now tell them as young adults that as parents they should have insisted back then and have little understanding for their hesitation at the time. It doesn’t mean that the children don’t matter, it’s actually the opposite, that you are concerned. Creating a nice home for them is a lasting value for them and the whole family. Maybe that sounds too philosophical but I would put that at the very top and only a hundred positions below would come the question of heating or choice of flooring.

It is important to start organizing the financial situation well and to inform yourself about what to consider when building a house compared to buying a house. I only really started doing this after we had the approval for a plot of land and in retrospect I am relatively glad that some of the houses we looked at did not work out. And also that the building areas were already full at the beginning. Otherwise, there would have been a significantly higher risk of making a miscalculation in the order of €50,000 due to ignorance. And that would almost certainly break your neck.

A plot of land with a developer commitment, for example, means that you have no choice with the construction company. After you have bought the plot, you are obliged to build with them. No matter if the standard tiles are the cheapest ugliest junk on the market and the alternative costs €100 per square meter. If you decide on a developer plot, you must also know that you can build a house with this company within your budget that you like. Therefore, under no circumstances sign for the plot first and then look for a house from the catalog.

Also, think a lot beforehand about what you want. Which rooms must the house definitely have? Do you need a basement (very expensive in new construction)? How much garden do you need, how much is too much? How many square meters do you need? All of this applies to new builds and existing properties, and even if you end up continuing to rent, it will help you find nicer apartments.

You are currently as far away from a house as I am from a Porsche. Although I would be more likely to get the Porsche than you the house.

So better save and wait for the crisis. Still don’t see one.

Used Porsche SUVs can sometimes be super cheap, you should be able to afford one. So, as always, it depends. ;)

A major online newspaper today draws attention to the development of the purchase price factor in the context of a bubble. In another thread, someone once broke down the purchase price of a "bargain" into land and building. Even with much more money for the price of the land, the building was still very golden.

The OP has to look & save anyway. What happens until then, no one knows. Except that everything eventually reaches its limits. And that the dogs bite the last ones...

The used SUV Porsches are sometimes super cheap, you should be able to afford one. So, as always, it depends. ;)

A major online newspaper is drawing attention today to the development of the purchase price factor in the context of a bubble. In another thread, someone once broke down the purchase price of a "bargain" into land and bricks. Even with much more money for the price of the land, the bricks were still very golden.

The OP has to search & save anyway. What happens until then, nobody knows. Except that everything eventually finds its limits. And that the dogs bite the last ones..

Yeah yeah, the stupid ones

That's called envy even if you don't want to admit it.

Yes, you are absolutely right - unfortunately, there is always some "residual annoyance"... That's just how people are.

When you save, save, save, think for days/weeks about whether you can even manage it - calculate back and forth, and others put up a 500k palace next door in their early 30s, with 2 kids, a household net income of 4k, without any equity - then sometimes you just get annoyed about it. I don't want to say it's envy (since you are enabling yourself the dream of owning your own home). Hard to say... That's just how people are - I admit to myself that such things annoy me :D - it's certainly human in a way. But as I said, ultimately everyone has to know for themselves what they do. As you already mentioned, you certainly don't feel any pity in case of a forced sale :D