Is building financing as an individual realistic?

On the topic of saving, I can only say: I save at least €1500 per month and also pay into a building savings contract - but house and apartment prices are rising faster than my equity grows. Ten years ago, right after finishing my studies, I could have bought an apartment for €90K. But I didn't do it because an identical apartment was sold at the same time for €35K (in both apartments, everything had to be done!, lousy location by train tracks). Now, 10 years later, the remaining unrenovated apartments there go for €200K and more. The price development eats up every saved euro, so that at 34 I will soon have to bury the dream of owning a home. I trust myself with a net income of €3500 to afford a rate of €1000-1200, while maintaining a modest lifestyle. In your place, I wouldn't save for another 10 years but buy if you can! My girlfriend was already given ownership of her parents' condominium early on for this purpose (only child, parents have right of residence). This way, she was able to use the apartment as collateral with the bank.

I trust myself with 3500€ net to afford a payment of 1000-1200€, while maintaining a modest lifestyle. I would not save for another 10 years but buy if you can!

But she only has 2,000€ net, so the "if you can" doesn’t help her. Furthermore, this thread is no longer active since she doesn’t respond anymore.