New construction single - Civil servant permanent service realistic?

When it comes to rent prices, I wouldn’t dream of building, especially not in your life situation. It’s quite possible that in 10 years you’ll have the woman of your life and might want to start a family after all. Rent the townhouse now for yourself and visits from your son. Put your savings into ETFs or something similar.

I would simply secure the desired plot of land first. In our area, they have become quite scarce, and I regret not taking the opportunity in 2014 when there were still relatively many available. Just searching for a plot of land took us about a year.

You can then calmly approach building the house in the coming years. For now, I would also continue renting and saving, especially since it would probably be difficult to get a good loan with so little equity.

My opinion: by building your own house, you mainly fulfill a dream and can really tailor everything in detail to yourself. However, the myth of rent as wasted money is complete nonsense; purely economically, building/buying is not such a brilliant investment as the construction industry and banks like to proclaim. This applies doubly if you live in a structurally weak region where there are enough inexpensive plots of land and low rents prevail.

The royal road is the leasehold. You pay for the house, but only for the land the usage, the leasehold rent. Unfortunately, it is rare.

With the place of residence: Wendland and the construction site NI it is hard to make sense of anything. Maybe you change that or have it changed by the admin, because I approached reading it with the thought that it is Wendland where you want to build. However, there are endless used houses there, and no one wants to go there. That is why it is cheap there. So: it is more interesting for the users WHERE you want to go than FROM WHERE you come. For the construction site, please specify the district.

The royal road is the leasehold. You pay for the house, but only for the land the usage, the leasehold rent. Unfortunately, it is rare.

We had a plot of land on a leasehold. However, we didn't like it at all. It was offered by the church.

You pay somewhat less for the land, but you also have to pay annual rent.

After 99 years, it then belongs to the church again, I even think including the house on it.

That was not the royal road for us, even if we won't experience it anymore, you want to pass your house on to your children.