First of all, save properly. Equity with a measly €100,000 doesn’t get you very far. That’s way too low. That’s not even the ancillary building costs. Nowadays, you should have at least €300,000 in equity if you plan to build a house without major worries. Of course, it also works with less. But if you’re cutting it too close, you’ll have restless nights because of brutal money and financing worries and difficulties.
You should have some knowledge of the subject before giving advice here. There is nothing more to say about that.
Oh sorry, why is that wrong? That’s just MY opinion.
There is a personal opinion and nonsense. And €300,000 equity means for the majority of people building here that a) they have to be very old to have that equity and belong to the top 3% of the working population, b) with €300,000 belong to a (in real life) tiny minority, and c) often would have to cover more than half of the costs already from equity, which is objectively good but does not correspond to reality.
So hold back when you make unfulfillable suggestions or think you still need to give advice on threads that are seven years old. That is nonsense and helps nobody.