Is house construction financing possible at all?

I believe most people are satisfied when they have enough money to afford a normal life (which may include a house, but doesn’t have to) and the occasional nice vacation, even if they haven’t achieved the absolute maximum of what’s possible.

Unfortunately, I fear that these are not necessarily the majority who are or would be satisfied. But I completely agree with you – it is a very healthy attitude.

Above all: money itself is initially nothing. Money is just a means to an end. To be able to afford a good life for myself. What use is it to me if I maximize my euros but never spend them?

I am currently living during the transition period in the house that belonged to a man who did exactly that. A life full of work and stinginess. He was so frugal that after many years, when he became too old to take care of his affairs and someone from the family took over, the water supplier came to check the meter readings because they couldn't believe that someone used only 3 cubic meters of water a year on average. The man saved on everything, even on himself. Worked all his life and bought the cheapest beer because "you can drink that too." He noted down in a little book when he "showered." In the end, he died a bachelor at an old age. Only dreamed of living his own life, and never lived it. Most of the savings were inherited by someone who had little contact with him.
It is sad in so many ways, and when I stay here in these rooms, I often think: "when he installed the bathtub here – maybe he still hoped to bathe his own child here someday?"...
We always say that at least we can take an example from this about how we don't want to grow old. :/

It is sad in so many ways, and when I spend time here in the rooms I often think: "when he installed the bathtub here - maybe he still had hope of bathing his own child there?" ...

What will happen to the house when you move out?

What will happen to the house when you move out?

It will probably be sold. No one really wants or has the time to take care of it. At first, I thought about buying it and renting it out, but after living in it for a few months, we abandoned the idea.

Pretty off-topic but the OP seems to have checked out. I’ll summarize: 1. Ownership entails obligations. A single-family house with a garden requires more work than a condominium. Generally, real estate for personal use is a matter of preference. If my next job is 500 km away in 6 months, I’m hardly going to tie myself to a single-family house for the kids. 2. Theory and practice: Yes, someone who finances/buys and does not rent will usually spend more money than someone who lives in a rental. In terms of importance, it is also higher for him/her. I doubt that renting a house causes significantly less 'work' than owning one. (Which tenant would voluntarily outsource the gardener and winter service for 300€ per month via the additional costs – few.) You still have to clean the professional who performs the annual heating maintenance and coordinate appointments. Nevertheless, the obligation to make the monthly loan repayments already leads to asset accumulation, since quite a few would otherwise spend this money on other things and NOT invest long-term. If most people acted rationally, we wouldn’t have our current consumer society with credit cards and the like – look at the USA. In the end, owning a property is many things and nothing. Investment, consumption, commitment, freedom. Take your pick;)

But less conditional and above all less short-term than carrying 100TEUR equity to Las Vegas

But this is not the basis of the discussion here...