No building plot can be found in the southern part of Schleswig-Holstein

Therefore, I prefer to clarify the question. Do these things really cost as much nowadays as they are advertised on average?

OK - example from real life: Two-family house, one apartment with residential rights for an elderly lady. House basically from the original construction year mid-60s. Advertised on I-Scout24 on Friday evening. Advertisement paused on Saturday noon. About 50 interested parties, a full day of viewings from eight in the morning until eight in the evening without a break. Afterwards, a bidding competition. And we are not talking about Hamburg or D or MUC. We are talking about the Lower Rhine. Experienced summer 2020 - I was the buyer.

It is difficult at the moment, you are like tens of thousands of other young families. Municipalities designate far too little building land and nothing is available from private owners. Owners who don’t urgently need the money won’t sell. It might be worth twice as much next month or the grandson might want to build there in 5 years. The political decision to no longer approve single-family houses in the north of Hamburg will not improve the situation either. One probably has to face reality reluctantly. 700-800 sqm of land and 160-180 sqm of living space in the commuter belt of a wealthy million-city are hardly manageable even for high earners. You will have to have another family meeting to decide whether compromises are possible in terms of size or rather location.

About 50 interested parties, a complete day of viewings from eight in the morning until eight in the evening without a break. Afterwards, a bidding competition. Experienced summer 2020 - I was the buyer.

You lucky guy :D

Overall, it looks like your a) actually your creditworthiness is not suitable for a new build,

In the financing section of this forum, anyone who already thinks my architect criticism is just a mild breeze can learn how to spell wedge errors ;-)

I assumed these were the prices for "there's a fool standing up every day". [...] Do these things really cost as much nowadays as they are listed on average?

Properties that make it onto the portals are actually waiting for fools: the market swiftly absorbs market-appropriate ones before they get there – and what still ends up there, their owners want to cash in on by deliberately pushing how brazenly they can demand.

There is no objective price or objective value for a house.

Value is what a fool gives for it ;-)

About 50 interested parties, a whole day of viewings from eight in the morning until eight in the evening without a break. Afterwards, a bidding war.

That’s why you have to take the interesting properties off the market before the seller even thinks about selling.

I find the initial post very sympathetically written and basically you describe the problem of every willing future builder who is looking for a home around the metropolises.

But I am quite shocked that you believe you want to pay off 1 million within 25 years with 6250€ net. I think you miscalculated there :cool:. We currently repay up to 2750€ per month (without interest) with somewhat less net income, but thanks to special repayments we would never manage to pay off one million in 25 years.

Objects that find their way onto the portals are actually waiting for fools: market-appropriate items are snapped up by the market before they even appear there - and whatever still ends up there, their owners want to cash in on in the sense that they deliberately push how audaciously they can demand.

Now I'm confused again and back to my old opinion from an hour ago o_Oo_Oo_Oo_O

Dear 11ant, I have probably gone through almost all your tips.
Somehow, I don't trust the undertaker and the divorce lawyer. That feels so negative :D
And telling every baker that you want to buy a property could also be too loud and draw attention from people you don't want to meet. :D

Pffff, it's hard. As I said, we searched quietly and actively without making ourselves generally noticeable everywhere, and it led to nothing.
I also hardly ever see building gaps. Maybe I don’t have an eye for them. After all, that could be someone’s garden, or even - not building land, etc.

I will continue to follow this strategy and largely ignore the portals. According to my observation, only unattractive, overpriced objects are offered there. Where sellers hope for luck and speculate. Of course with exceptions, as always. But the exception happens every 7 years and only when it's muggy outside at 7.4 degrees.

As Jean-Marc wrote:
Municipalities designate far too little building land and nothing is available from private individuals

That is very true and it is so.