Maximum and reasonable credit amount

If you want the 1 million villa with a net income of 10k, you have to bring equity of 600k so that it can be financed comfortably. And yes, that's why so many complain that the younger generation has problems acquiring real estate

What you write is and remains nonsense.

On the other hand, I currently see it as putting everything possible into repayment (that is a safe investment)

In general: No. It might make sense for interest rates >3%, but at 1,% there are definitely more sensible options.

Would a land purchase with a three-year financing be conceivable?

And tomorrow the world will end. Sorry, the post is ridiculous.

Thanks for the post.
In fact, as already discussed, we tend in a similar direction.
Buy land now, if we find one (very short or possibly completely variable), and if the circumstances are good for us, then build on it.
It is actually about the outskirts of Mainz.

One more question about the possible financing parameters: What exactly would you pay attention to there? I see the potential problem with Bank A financing the land and if the house construction takes place before the land is fully paid off, that you are then basically "tied" to Bank A, because banks are usually reluctant to be second in the land register. Therefore, rather finance completely variable, because that means it can be repaid at any time and is therefore flexible? Or is my thought nonsense and are there possibilities that I don't know about?

Variable
Short fixed period until construction
Short fixed period x years, then variable
Long fixed period with option for full repayment (you have to calculate, it is not cheap)
Whatever you want ;)

What you write is and remains nonsense.

Thanks for the post.
In fact, as already discussed, we tend in a similar direction.
Buy land now, if we find one (very short or possibly completely variable), and if the circumstances are good for us, then build on it.
It is actually about the outskirts of Mainz.

Outskirts of Mainz? Flight path for Frankfurt Airport? How intense is the aircraft noise at the desired plot?