Modular house, wooden plank house, or solid after all?

Tolentino, yes, we are still quite young and don't necessarily have to rush into a homeowner's life. But we would like to. At the moment, we have "priority" on the plot and can now consider, plan. However, we then have to decide. We are currently very lucky thanks to [Vitamin B]. It is big, beautiful, cheap... but what use is it if we no longer have money to put something proper on it. We are still looking for solutions because we don't want to let the opportunity slip away.

Is there a building obligation on the property? In other words, do you have to start/finish within x years?

No, not that I know of. I haven’t dealt much with the legal stuff myself; that’s always been my partner’s responsibility. But he hasn't said anything about that. I would be surprised too, it’s not like this is a newly developed building area or anything.

Then why don't you buy the [Grundstück] now and wait until your finances have improved enough to build something decent on it? You say that this is imminent in the near future.

Buy the property now, pay it off as quickly as possible, and build calmly with better creditworthiness.

With €200k, that won't be much. Maybe €150k will remain for the house alone - without garage, terrace, outdoor facilities. That will be very tight. The pure material costs for a self-build fit within 80-100 sqm. But you also have to pay workers.

I would also say. Buy now and build the house later with better creditworthiness.