Planning to build, is it realistic? Young + Equity

And if one decides to get married later, the calculation starts from that point should things go wrong, so the house would then also be secure

With my girlfriend and me, it will also be like that that I pay off alone.

It’s not about who pays off, but who will own something, i.e., who is listed in the land register.

Well, after having slept on it, you naturally have your thoughts regarding the land register entries. We here don’t always have to assume unfairness when planning like you do, namely you building a house, and as long as the girlfriend is around, she may live there and doesn’t have to pay, but then leaves empty-handed if the relationship is not continued. After all, she also has a good salary and can fill her own savings book during that time while you pay off the house.
But then the living standard costs should be halved and not borne by the person who doesn’t have to pay installments, because then the balance of consumption and obligation as well as wealth accumulation isn’t present.

But I would like to repeat my question which you have not yet answered:

That raises the question for me: Nest building? Alone? Why do you need a house?

Property or real estate makes one immobile, which makes a reorientation or finding a more lucrative workplace more difficult. The IT industry is hardly the most sedentary industry...
Furthermore, the frugal free time has to be dedicated to caring for and maintaining a house, primarily on weekends. Just chilling in the garden isn’t enough, because it doesn’t maintain itself.
Who cleans the house, the masses of windows, the basement?
With a net income of 4000, one is rarely willing to spend 200-400 euros for maintenance and care.
Do you / do you all have the desire to sacrifice your freedom and independence?
What if there is a new girlfriend? She might be impressed by a man who already owns property, but does she want to live in a house she did not help furnish?

because my father has already bequeathed me some "assets" regarding gift and inheritance tax. I would bring in equity of 350,000€.

Keep in mind that if your father becomes a social welfare case (due to old-age poverty or illness) within 10 years after the gift and the state has to pay for care, it generally reverses the gift so that funds are available to pay.

But I would like to repeat my question that you have not yet answered:

Since I have been dreaming of owning my own house for a long time. My girlfriend and I have now been living in a rental apartment for almost 2 years. The money I pay for the cold rent I can just as well invest in my house, which then belongs to me.

It always depends on what you do in IT. I think in my field I can find a job in any medium-sized company. There are quite a few here in my area. And currently I am happy with my employer and that will remain so for the next 8-10 years.

Sorry if I sometimes write what I think. You mostly write about "me." I don't read any "we." That has, at least for me, a bitter aftertaste. One almost gets the impression that you are planning the future for yourself alone and not together. It comes across as if you were saying: "If it doesn't work out, I'll just throw the old woman out, after all, it all belongs to me." It may be that I interpret your lines differently, but for me personally, no basis, not together.

Sorry if I write what I think. You mostly write about "me". I don't read any "we". For me, at least, that has a bitter aftertaste. One almost gets the impression that you are planning the future just for yourself and not together. It comes across as if you were saying: "If it doesn't work out, I'll just throw the old lady out, after all, it all belongs to me." I might be interpreting your lines differently, but for me personally there's no basis, not together.

Don't see the problem with that? I

I could just be laughing my head off again about the well-meaning but completely off-target "concerns"... Someone comes along with a huge chunk of equity, who can basically handle the whole thing with one salary, and here in the forum that seems to be the ideal, and then other things get picked apart... My God, what business is it of yours how the young man plans his life... This is purely about the house construction and the possibilities, and they are great... How you arrange things with your girlfriend and how she sees it is only your business... Let's get to the point: You can certainly get 200K€ from the bank and service it with 4% annuity... At that age, a 30-year term is also sufficient, if you earn more money you can reduce it with special repayments... or after 10 years, if you maybe get money from your parents again, pay it off completely... whatever, the conditions are great. P.S. I always find the advice to consider that the parents could become care cases totally great...

Bedenke, dass wenn Dein Vater innerhalb von 10 Jahren nach der Schenkung ein Sozialfall wird (wegen Altersarmut oder Krankheit) und der Staat für die Pflege aufkommen muss, dieser grundsätzlich die Schenkung rückgängig macht, damit die Gelder bezahlt werden.

Tell me, do you also always look 5 times to the right and 5 times to the left and then 5 times to the right and 5 times to the left again before you cross the street or drive? And always remember to move to the left lane at the end of a traffic jam, behind it there could be a truck with broken brakes and better get a VW Touareg right away...

Thank you ! Unfortunately, I have also gotten this impression. I just wanted to find out if it would work with the requirements.

How I plan my life, how I lead my relationship, no one here can or must tell me that. Apart from the fact that I also don't listen to what others have to complain about my relationship..

I will continue to calmly search for land and meanwhile already compare the different property developers.