Is building a house today not payable within a lifetime?

Such parks I have avoided so far because the houses there hardly correspond to the standard equipment.

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 land when families with children are waiting in line. Unless there are currently more plots than interested parties, which I again 99% rule out in today's times. According to your lines, you want a home, but somehow not really. :rolleyes: Only you can make this decision alone.

Yes and no, if I still want to build, I have to start soon. But I also don't want to go into debt until my deathbed.

Between a 400k budget (200k loan and 200k equity) and it being cheaper than 700-900k, there is also a range in between.

You can just roughly calculate.

Land 500sqm * 150€ + incidental purchase costs 80k
House 120sqm * 2,300€ 276k
Now I don’t know the region regarding construction prices but 2,300 would already be very cheap, generally here it is calculated starting at 2,500/sqm.
Additional construction costs 30-40k
Architect 30-40k
Kitchen, furniture, lighting etc. 25k
Carport 15k
Outdoor facilities 20k

Total 475-500k

No buffer, no extras, no slope, standard, painting and flooring work rather on top.

Now you could say I don’t need a carport or I’ll include the kitchen with furniture and so on.
But we are already 100k over the budget and calculated with rather low numbers. That can quickly go higher.

Maybe you can do it on an ideal plot with a standard house from a provider like Town & Country, but probably without fitting out a single socket, or one more window or, or or so with frugal mentality.

The question is whether that still makes sense...

That sounds very absolute, why? In a new house you have no (major) maintenance costs and whether you still pay 300 euros a month until your deathbed or not, it doesn't matter. Or am I missing something? For that, you simply don't pay rent.

What alternative plans do you have for your equity?