New construction - What is included in our financial budget?

Finally fast forward to the point where you pull an adequate sum for the desired house construction out of the hat, instead of lingering on this side issue.

The €8000 goes towards the incidental acquisition costs. The statement that no equity is available is not entirely wrong. You can put any lids you want on it, it doesn’t get any better. You can now also be outraged that probably a little bit remains from the €8k, but this too does not change the completely wrong scale.

As far as I know, banks support 100% financing, always nicely and helpfully, when the equity is there.

Whether it makes sense, whether it is appropriate, whether it is appropriate and sensible here is another question and above all, we do not have to decide that, the consumer, the person, the OP with their life philosophy, their attitude to life, their consumption behavior, and their definition of life risks decide that.

We can help, give tips, show how the project can be enabled, advise against it and point out dangers, but always individually, sensibly marked as our own opinion and above all corresponding to the facts and professionally correct, based on the disclosure criteria of the banks and always related to the actual question of the person who opened the thread.

When comparing the costs of building a house with self-performed construction in Poland, it is becoming so absurd that the thread should perhaps be ended.

Without waffle and quite concretely my opinion: Something between 1000 and 1500 rate, 20 years, full tiger, the whole thing should cost around 250 thousand.
Our house cost 290, of which 70 was the land. In certain parts of D. with cheap land it might work, with economical execution.
K.

Without waffle and quite concrete my opinion: Something between 1000 and 1500 rate, 20 years, full tiger, the whole thing may cost about 250 thousand. Our house cost 290, of which 70 was the land. In certain corners of D. with cheap land it may work, with economical execution. K.

This is how I find it absolutely well presented and communicated for the first time.

When you compare the costs of building a house with self-performance self-construction in Poland, it’s becoming so absurd that maybe the thread should be ended.

Sorry, polemical and unrealistic, if one wants to consider all possibilities, which one must, since the OP, his possibilities and his project have not been sufficiently understood and questioned.

Not that every house should become a self-built house, or that every house will involve a lot of personal contribution, but as long as this exists, general statements about the price of a new build are not helpful and cannot be understood by everyone.

: What is your conclusion from this whole discussion? In which direction will you plan?