Purchasing land and building a duplex - How to proceed?

On the topic of Swedish houses or semi-detached houses: Swedish houses are not cheaper than others, semi-detached houses only have a saving on land costs.

Here roughly (I'm not an expert): Land 180,000 Purchase ancillary costs 20,000 Construction ancillary costs 30,000 House 180-200,000 Kfw 10 - 20,000

-> 420-450,000 costs

(Ok, thanks for this (sobering) information. I had read "maximum 2 residential units" and then thought that the 500 sqm could be divided again. How stupid. Yes, of course it’s cheaper in the surrounding area, but moving away is absolutely out of the question, I would have an insane commute, my daughter would no longer have a free daycare spot, etc., that’s simply not an option. Well, at least I now know that I need to quickly take care of potential financing so that it also goes quickly in case it happens. At least I learned something from it.)

but moving away is out of the question, I would have a crazy commute, my daughter wouldn't have a free daycare spot anymore, etc., it's simply not an option.

Because of this knot "not an option," some people will never become owners :cool:

Nevertheless, good luck with the bank meeting :)

Here in Seevetal (south of Harburg) you can get a semi-detached house on leasehold for 220,000. With the leasehold development and some extras (let's say Kfw55), you'll end up with your 280,000 in the beautiful greenery, 500 meters from the A7 motorway entrance :)

This is purely a matter of common sense. A great, pragmatic suggestion. Top.

Price/performance is impeccable.

If I were the OP, I would definitely follow the advice here.

450k saved up with 3700 without having any equity, I find very very very daring anyway. Yes, I know, as a civil servant you think you don't need it o_O

Saving 450k with 3700 without having built up equity is, in my opinion, very very very risky anyway. Yes, I know, people think as a civil servant you don’t need it o_O

In some places, the clocks just tick differently or the prices are beyond good and evil. I read a report the other day that in Munich, for example, up to 50% of net income is spent on homeownership.

So what can you do? Either you are lucky and have saved up equity, continue to rent, or critically ask yourself what you can really afford if you grit your teeth for the next few years. It’s not hard to look into the future, but it could be that in 5 years you save 50k in equity and until then prices have risen just as much or a worse interest rate eats up the equity compared to now.

Most likely the new consumer protection regulations from March 21 will handle most of it anyway.