New construction single - Civil servant permanent service realistic?

The income (€3200) is achieved in 4 years. €1000 - €1200 are realistic, I think.

Is it realistic to set aside €1000-€1200 today or invest it in a home, or only in 4 years?

€1200 - €1.5 per sqm ancillary costs - €1.5 per sqm reserves for repairs and maintenance leaves €810-840 available for financing for 120/130 sqm.

That makes a loan of €210-220K. I still see a big gap there.

The €400 includes heating, depending on the apartment and size here in the region.

With such low rental costs, building is really a losing proposition in comparison.

@Caspar: You want to set aside 650 euros out of 1500 euros for repairs on a new house? Isn't that a bit exaggerated?

Today I save 500€ monthly, simply in a savings account without relevant interest or similar. In addition, there are nearly 400€ rent. However, I do not want to live in the apartment long-term because the location is not nice, etc. Maintenance for the junior is 300€, as well as monthly reserves for vacation, car, etc. Whatever remains of that at the end of the year, I add to the savings account. Netto I have currently just under 2400€, in about 4 years it will be approximately 3200€. The increasing salary will then be added to the 500€ regularly. Unfortunately, I was only able to start saving this year. Rents here are really very cheap. Maybe I should live in a modern terraced house for rent after all? Heating costs here are 550-600€ monthly. The question is also whether I will get approval from banks to build on my own at all?

@Caspar: You want to set aside 650 euros from 1500 euros for repairs on a new house? Isn't that a bit excessive?

1500? The OP has 1200. And 195€ of that goes to additional costs. and 195€ to reserves.
So how do you get 650€?

The question is also whether I will get approval from banks to build on my own at all?

Why shouldn't it work? It just has to add up in the end

1500? The OP has 1200. And from that, 195€ goes to additional costs. and 195€ to reserves. So how do you come to 650€?

Oh, sorry, I was mistaken.

Maybe living in a modern terraced house for rent after all? Around 550-600€ per month including heating here.

I’m still missing the urge for a home with a garden. As long as that doesn’t become overwhelming, I think renting makes more sense. You can still save money anyway, in case Mrs. Right suddenly shows up with a similarly small amount of savings.