Is financing advisable despite a high account balance?

Hello, I (single) have a quite naive and stupid question: I want to build a normally sized house without any frills (~450,000 EUR). I could easily put the price on the table straight from my account, as I have exited almost all other investments in recent years and now have the money in cash.

The crucial question: are there still reasons to finance something instead? For tax reasons or the like? To appear poor? Is it naive to believe that if I don’t pay interest, I also have nothing to deduct?

Thanks for feedback!
Jago

From a tax perspective, in my opinion, there is no argument for financing, as it is a house for personal use.

I personally would pay "cash" and would be glad not to have the money "lying around" anymore. Of course, a reserve should remain.

I would rather take the money and build the house. Otherwise, the finger itches when it crashes again and you lose it.

Why don’t you build and then rent out the hut? A normal-sized house for one person? What are you going to do with the 3 free rooms? I don’t understand why someone single would tie themselves down with a house. You lose flexibility, you have a lot of work (cleaning, gardening, snow shoveling, etc.) and from my point of view: you’re stealing valuable living space from families who need the room,... I know - all capitalists will now scream again,....

Sorry, but that is really a bit far-fetched now. That also has nothing to do with capitalists... Let him do it if the money is there. Why shouldn't he be able to buy a house for his own use? Maybe tomorrow he will meet the woman of his dreams and in a year there will be a child? Or maybe not, it doesn't matter. And whether the OP wants to be flexible or not should be up to him as well. It doesn't matter at all whether a single person, a childless couple, or a retired couple builds on the plot that the OP has chosen. Or do you want to deny all those people a house of their own and even living in it, just so that maybe a family can create "valuable" living space there? A house is a luxury, no matter who for. Whoever can afford property - great. Whoever cannot is not a problem at first. In my opinion, the problem of the lack of living space (and that is not only for families, but also for singles, who are increasing more and are also looking for living space) is not in the area of home ownership, but in the rental sector. But the OP is neither responsible nor in charge of that, so he can do what he wants with his little house.

When you are alone, you don't have to clean so often/much. Maybe you like gardening? I find the statement questionable, where do you think one is allowed to live as a single, only in shared apartments where I occupy at most one room?