Is financing theory practical?

Well Toxi - a period of 5 years is already quite long.

I'm not sure now whether that still counts as short-term or already mid-term.

I'm not sure now whether this still counts as short-term or already medium-term.

In the securities sector, an investment of >=5 years is considered long-term.

What is the better approach? Building in 2-3 years with less equity (30-40k) or in 4-5 years with more equity (80-100k)?

What is the better approach? Building in 2-3 years with less equity (30-40k) or in 4-5 years with more equity (80-100k)?

Building involves several parameters. One of them is equity, another is, for example, the available income, which was mentioned here before. Therefore, your question cannot be answered properly like this.

Depends on the area. Stuttgart region: more likely now, as increases are almost certain, in the Alb or Odenwald rather option 2.....

70km from Stuttgart

The option [Bausparvertrag] would basically be a combination of both options. Secure the good interest rate now and build later...