Land available but only a condominium?

Where I wonder why, with a basically self-built semi-detached house, one didn’t simply buy a semi-detached house/terraced house from the developer for 450-500 thousand a few years ago.

The OP is only 30. I find it normal that people don’t really have the topic of house building and construction financing or interest rates on their radar beforehand. Why would they? Without children, renting an apartment is a great option. Now the trigger is, after all, the missing children’s room. For the thread starter, the journey begins now, and for countless other people, the journey begins at some point in the future, completely independent of whether the timing was, is, or will be good or bad.

This is one project too many. Whoever now immortalizes themselves with an apartment will not start building again in a few years. Why would they. Children grow up

The OP is only 30. I think it's normal that one doesn't have the topic of house building and construction financing or interest rates on the radar beforehand. Why would one? Without children, renting an apartment is a great option. Now, the trigger is the missing children's room. For the thread starter, the journey just begins, and for countless other people, the journey begins sometime in the future, completely independent of whether the timing was, is, or will be good or bad.

thanks for a contribution from a normal mortal. that's how it is.

we were busy with other things and had no equity because of further education etc. in the job. also, we get nothing sponsored from parents or similar, unlike some others. 125k equity at 30, married and 1 child, you have to have that first without someone throwing the money at your feet.

the architect was present during the construction meeting with the turnkey builder, he has cost us 0 euros so far. when we sign, it is included in the turnkey house price, see a breakdown of the costs a few posts earlier.

in this sense.....

125k equity at 30 married with 1 child, you have to have that first without anyone throwing the money at your feet.

Then the money was thrown at your feet. Probably by the employer. It is an illusion that you earned it because you provide such great performance or are so great.

Solid 55 cm Ytong 9.84m length - 9.50m width, basement, ground floor, upper floor, garage with roof attached to the house. Total basement area approx. 60m2 Ground floor approx. 60m2 Upper floor 60m2 House price 455,000 Garage with roof 28,000 Estimated ancillary construction costs 80,000 = 563,000 without outdoor facilities, kitchen, lighting

The basement will hit you hard, and in several ways. On the one hand because of the costs for the basement itself, on the other hand because of the higher costs for earthworks. I can understand that you want a basement on the small plot, but without a basement and without a garage you would end up at 500k instead of 600k. The garage at this point is just incredible luxury, as is extravagant lighting. If money is tight, you go to the hardware store and get a few lamps for 30-50€. You can always replace designer pieces later.

We will definitely inherit something in the next few years

Yes, I know, counting on an inheritance is always difficult and one shouldn't rely on it, but you could postpone the garage, outdoor facilities, and maybe a few other things, like a second bathroom if available, into the future and thereby reduce the costs.