New construction project: House without direct car access - Bad?

We also have an underground garage and cannot drive in front of our house. However, this has not bothered me so far. After all, we have an elevator up to the front door level, and we transport heavy groceries with a little trolley.

Relatives also live similarly. This is a residential complex where you can only reach the front doors on foot. However, there is an underground garage, and each house number has its own entrance. Some, however, have no elevator, so you always have to go through 3-4 doors, sometimes also those heavy fire protection doors. Alternatively, you can park a little further away on the street and then have to walk further, but then you don't have the many doors and especially no fire protection doors. For a rental apartment, that's totally fine, but for ownership, it wouldn't be for us. But that's probably just a matter of taste again. Especially because of the children, I am just SO happy that we can now park in our parking space on the property. When they were smaller, it was sometimes not fun. When they were still small, you always had to carry at least one plus the dog on a leash plus daycare stuff plus groceries... keyword pack mule. And often still on the street, no, I don't miss that at all.

You can, for example, wonderfully use a hand truck for water bottles or bulk shopping. Just check your mental barriers once ;)

True, you can also easily transport a baby with the hand truck. It's definitely easier to make a house "accessible" by car.

So, if it's not drivable up to, then at least without steps. Is there an elevator from the underground garage?

5-10 years later still building a single-family house u

If you have too much money... Just the ancillary purchase costs that have been thrown away alone. Especially since real estate transfer tax has to be paid on the entire property in this case...

Due to the incidental costs, I would not do it.

I would only do it under two conditions:
a) Dream property (your quality of life increases dramatically)
b) You continue to expect increases in property prices of >5% p.a. or even >10% p.a.
Because then b) would simply be a good investment.

The following calculation:
Let's assume incidental costs of 10%.
(This is a bit high for some federal states, but as a maximum value)
Assuming you do not need a loan (easier to calculate).
Purchase costs = equity

You sell at the end of the 5th year.
Then you need an increase in value of 2.2% p.a. just to cover the incidental costs.
If your equity yields 2% (net) p.a. in the case of renting, then the property would have to appreciate by 4.1% p.a. so that you end up with the same wealth.

Not to mention the concentration risk of a single property.

I would like to look at the whole thing from the other side: You don’t know if you will build again in 5-10 years. Will you find and get your dream plot? I don’t know where you want to build and what the situation is there. But if it doesn’t happen, at least you have the townhouse.

For a rental apartment, yes totally fine, but for ownership it wouldn’t be for us. But that’s probably just a matter of taste again

This has little to do with taste. Everything has its price, and you have to set priorities. In this case (interim solution) I would also advise against it, but basically there are certainly worse things. Some would now say again: then better stay in the apartment, but I find that answer unobjective.

Especially because of the kids, I am just SO glad that we can now park on our own parking space on the property.

If I had children, I would be glad that they have an environment where they don’t get into trouble so quickly while playing. ;)

True, you can also transport a baby great with the hand truck.

The baby will get older too, relax.

But I understand your argument if there are extreme distances, many doors, etc. Some people also have to make themselves believe that an underground garage is nice, the heavy doors can actually be quite a lot.
What is probably really the key point here: you have no alternative for the car. There are probably no parking spaces in the vicinity?!
......
However: if the atmosphere between the houses is friendly, the kids can go to school and kindergarten on foot alone, and otherwise the location is also top?! It could be worse. Furthermore, the rooms play a role, and who knows: maybe the terrace has a much better orientation than detached houses.
You also have to look at how often per day/week the car is actually needed and used by you.

You can’t judge a house by just one criterion, especially if it’s only about convenience?!
There is even an underground garage here, some builders will not even manage a carport because the mega-access on the mega-plot was so important to them.

Here you can read the positive, it’s somewhat lost in your initial post:

we are interested in a very modern and wide end of terrace house with top orientation and layout.

Write down the positives and negatives of the house and see if it really is that serious or if it’s just the imagination making you afraid :)
And then make a list of what you get when you go looking for a plot. See #17