Solid house or prefabricated house? Which suits us better?

With 200,000 you will not be able to build. Whether solid construction or prefabricated.

With 200000 you will not be able to build. Regardless of whether solid or prefabricated construction.

pure construction cost for the house 200 ???

the land is added on top.

So unfortunately I can't understand why people build a house without a basement. For us, that was never an option, just like the topic of prefabricated houses. The only advantage I see in prefabricated houses is that they can be move-in ready within a few days. In terms of prices, prefabricated houses are ALMOST or often even just as expensive as solid houses. If you have certain change requests for the prefabricated house, it often costs just as much as a solid house. I don't want to know how many prefabricated houses have to be torn down after the flood. A solid house is much more stable here. Just for the resale value alone, a prefabricated house was never an option for us. And again, regarding the basement... with such cheap money, a basement for 40,000 euros should still be doable. And with 200,000 euros it really gets tight. Those are usually the families you see on TV who go bankrupt privately because the developer is bankrupt and the family only has half a house standing. You must not save money when making such a decision!

Unfortunately, I can't understand why people build a house without a basement.

Well, you don't have to. Everyone builds h i s house; most save on the basement because of the costs, others because of the ground conditions, and others again because they don't want to climb stairs.

For us, that was never an option, just like the topic of prefabricated houses.

To each their own... you just can't comprehend that now ;)

The only advantage I see in prefabricated houses is that they are ready to move in within a few days.

They are not! The shell... yes... that is up in two days, but the trades still take their time.
On the other hand, when you order a house, you have to choose all the specifications first, and only then is the house produced. That can mean that quickly a year passes between ordering and construction...

In terms of price, prefabricated houses are ALMOST or often just as expensive as solid houses.

Prices in this segment (single-family home, approx. 120 sqm, lower price range) are more expensive for a prefabricated house. At least I noticed that; we wanted to build a prefabricated house but gave up because the bank possibly only values 80% of the worth.

If you want certain changes in a prefabricated house, it often costs as much as a solid house.

Changes in the planning really cost quite a bit. A "cheap prefab house provider" charges money for every little thing: changing the window, window width, extra door, guest WC, etc.

And again about the basement... with that cheap money, a basement for 40,000 euros should still be possible.
And for 200,000 euros it's really tight. Those are usually the families seen on TV going private bankruptcy because the developer is bankrupt and the family only has half a house standing.

You must not save on such a decision!

Whoa, the original poster already swallows hard at a sum of 200,000, and you come with basement costs...

Money is not cheap! Money always costs, and just because interest rates are favorable, you don’t build a house, no basement or anything else.
You build because it should fit your overall situation (life situation, goals, family planning, equity, salaries, etc.), just as you choose house size, equipment, and technology for yourself, and not according to the interest rate ;)

pure construction sum for the house 200 ???

the plot is added on top.

200k for the house will be very, very tight. But you haven’t included all the additional construction costs in the house price, right? Additional costs like surveying, construction water, temporary power connection, gas connection,... There are thousands of lists of additional costs. Without a garage, you’ll easily reach 40k. That’s what the construction expert wanted to make clear to you. You might manage the house alone with 200k, but for the total investment, you need much more than just the plot and the house to even be able to build the house.

Construction expert already wrote everything in the fourth post of this topic. Whether solid construction or prefabricated house does not matter, although the prefabricated house tends to be more expensive.