Is 900 euros per month enough for home financing?

I would first ask different questions: how long have you been together? Already married or planned? What about children? What is the current total income? etc.. The considerations made above won’t help beforehand. Personally, in the current times, I would not do financing over 10 years but at least 15-20, if not even 30 years fixed.. that way there is much less risk from this side.

@Hausbaublog: I just read through a few things and in my opinion you are wrong about many aspects regarding [Fertig vs Massivhaus] when it comes to environment, thermal insulation, price, etc.. you should revisit that.

What exactly do you mean? What exactly am I thinking wrong?

How do you see the matter? My conclusion was that a solid house is indeed a better house, but the price and developments in prefabricated houses have greatly minimized the difference.

I think it is really a tricky issue, but still a very important matter. What have you built, or plan to build?

As already hinted at in the forum, here is my somewhat different view on these statements:
- I fully agree with you on the first two points
- Composition and energy values:
I have a different opinion here. The environmental compatibility of the houses is the same. Because a solid house is not only built from stone (and how is that actually made and from what?), but still always requires additional insulation materials to achieve a reasonably good thermal insulation. The rule of thumb for solid houses is: either very very thick walls, at least 40 cm, or thinner walls with insulation on top. This insulation has the same composition as the insulation in prefabricated houses, so no difference there.
Prefabricated houses are better constructed in terms of energy values and insulation using today's technology than solid houses (30-32 cm walls and U value of 0.13-0.15). The only thing is that the freedom of wall layouts (curves, etc.) is better and cheaper to realize in solid houses.
Where do you want to save monthly costs with a solid house compared to a prefabricated house? Heating costs are the same or better with the prefabricated house (because of the above)
- Value and durability
The durability of a wooden house is neither shorter nor longer than that of a solid house. Go to Lake Constance; the timber-framed houses from 150 years ago are just as good as solid houses. I cannot assess the value of a new house in 15 years and do not even know if that is possible. From 15 years ago until today, that is certainly correct.
- Topic price: My experience in planning was even that prefabricated houses are more expensive than solid houses
My overall conclusion also from my previous perspective as a builder (hope it finally goes into implementation):
Prefabricated house for someone who likes wood, likes everything from one source, and wants to be energetically state-of-the-art.
Solid for the one who still wants to do things themselves, likes extraordinary architecture, and wants to build cheaper
Regards

Prefabricated house versus solid house?

Hm, I somehow don’t understand why one should exclude the other. Prefabricated construction has long existed as solid construction. The slab buildings made of heavyweight concrete, later came multi-family and single-family houses made of lightweight concrete and also made of prefabricated brick parts. In my opinion, a prefabricated house can definitely be solid.

Prefabricated solid construction becomes particularly interesting in my opinion when the walls alone already meet the demanding requirements for thermal insulation. There are solutions with Liapor and the like in my opinion. It doesn’t seem cost-saving or otherwise attractive to build another house of insulation and/or a ventilated facade around a finished house. That complicates construction and creates a thousand new sources of error, all at the expense of the already beleaguered builder. In 2001, I had a Liapor house made of prefabricated parts erected that met the thermal protection ordinance (WSVo) valid at the time without glueing panels. Everything solid including the knee wall, good indoor climate, thermal insulation and moisture storage capacity. Simply a good “climate,” which is why the manufacturer also spoke of “Klimapor.” The problem of insulation, vapor barrier & co. only arose in the attic, where the slopes were unfortunately insulated in the conventional way (mineral wool).

I would additionally raise the question of solid house “brick by brick” versus prefabricated solid house. The often praised “brick by brick” approach leaves a lot of room for construction errors, botched work, delays, etc. I only think of the many Ytong construction sites where the bare walls stand in the rain for months. In my opinion, this material requires an extremely long time to release itself again from massive moisture. Or the Poroton houses that are built with only one bucket of mortar. All techniques that can never achieve the homogeneity of a prefabricated wall.

Regards

And the link to that? Didn’t find anything (or just overlooked it?)