Is building a house today not payable within a lifetime?

Well, financing a house as an individual would be completely unrealistic for us. Even as a couple, it's only possible with difficulty. Alone, I would rather buy a nice apartment.

Well, financing a house as a single person would be completely unrealistic for us. Even as a couple, it’s only manageable with difficulty. Alone, I would rather buy a nice apartment.

Yes, I also see it as pure luxury. An apartment is nothing "own" to me. Whether I rent or pay off an apartment is the same to me. The last shirt has no pockets...

Hello, especially in rural areas, I wouldn’t build new. Why, especially if you’re alone. I see you most likely renting or buying existing property. Few people really want to move to the countryside

Unfortunately, the plots are always gone very quickly. I think there are still people who want to move out there. I was thinking more of villages with 2,000 inhabitants. My "rural" was perhaps a bit inaccurate...

Now I have noticed horrendous figures like 700-900k€ for house construction planning. Is it really not cheaper?

Of course, it can be significantly cheaper. Here in the forum, "detached single-family home builders" are the norm. However, these houses are not the norm, but rather the smaller variants via developers. Besides that, the price of the property (besides the size – here you mostly read about luxurious 145-180sqm) is mainly influenced by the land price. If I want to build in Munich and already spend the first 3/4 million on the plot, you can gladly pay for the entire villa including a Porsche and a world trip in the East. Apart from that, you can accommodate a family of four well with a well-planned 120sqm. Any normal family can even manage that in a rental apartment! Houses including land start at around 250k€. Then these are rather cheap locations and terraced houses like German terraced house or dream houses – preferably WEG division with 95-115sqm. Of course, it is frowned upon for the middle class to live in such chicken coops. But I can tell you that these things are highly sought after by families. Great neighborhoods possible.

Now I’ve noticed horrifying amounts like €700-900K for house planning. Can’t it really be cheaper?

We are building including land cheaper than €700-900K (in the Leipzig district/Saxony) and I am quite sure that it is possible for you as well. Would it be an option for you, if you build 1.5 stories, to first only finish the ground floor and plan the attic for finishing in the medium term? Or to build in such a way that your house is prepared for an extension in the medium term? I don’t know if building will ever become cheaper again, but this way you’ll also get a better feeling for whether you need/want/use the additional square meters or not. And, you will become de-sensitized regarding credit and spending money—it just flows away like water without pain ... once some time has passed. ;-) I know what I’m talking about. :-)

The house doesn’t have to be paid off by retirement either, why should it? Ours won’t be either and it doesn’t bother us in the slightest. :) (Of course, more money is usually nice. ;-) )

The amounts you see here in the forum are always very high and I don’t think they are representative in all cases. Have you ever looked around in model house parks? There are sometimes quite affordable houses, whose equipment and building service specifications of course must be thoroughly checked, but something suitable might be among them.

Or a big holiday home, in which you can also live “normally” in terms of equipment? Or a tiny house, next to which you could put a second one in the medium term, which you then connect with a breakthrough?

When you get the land, you can post the development plan here sometime. There are enormously many smart, knowledgeable forum members who can help you based on the specific development plan with well-founded advice.

I am rather curious whether you will get the land from the municipality. In our region people without children have no chance.

Apart from that, you can accommodate a family of four with well-planned 120 sqm. Every normal family manages that even in a rental apartment!

Yes, I agree. I actually don’t need that much space either. But a mini bungalow with a hipped roof really isn’t worth it in terms of price-performance.

Would it be an option for you, if you build one and a half floors, to first only finish the ground floor and plan the upper floor for building out in the medium term?

That’s a good idea. I’ve already been wondering how I should fill the upper floor anyway...

The figures here in the forum are always very high and I don’t consider them representative in all cases. Have you ever looked around model home parks?

I’ve avoided such parks so far because the houses there probably hardly correspond to the standard equipment. The park in Bad Vilbel is not far and I will take a look there.

You can upload the development plan here when you get the plot. There are a lot of smart, knowledgeable forum members who can provide well-founded help based on the concrete development plan.

I’ll gladly do that and I’m already looking forward to it. I am impressed by the expert help here in the forum.

I’m rather curious if you will get the plot from the municipality. Where we live, people without children have no chance.

I also only expect low chances because I have heard from local builders that families have applied. The allocation happens at very short notice and maybe I will be very lucky.

When I look at the headline…
…I say yes, if you only start "shortly before retirement."

As an individual, you have a 99% chance of not being allocated a plot of land when families with children are lining up. Unless there are currently more plots than interested parties, which I again exclude 99% in today's times.

According to your lines, you want a home, but somehow not really. :rolleyes:
Only you can make this decision.

And yes, I want to have the house paid off by retirement.