Swabs in object position and initial questions

Just wait and see: Under 30, people usually have different interests than under 40, regarding more relaxed activities like mushroom picking or running at dawn ;) By then you will have more equity, so you can choose more. I have always expressed my doubts here when someone in their early 20s wanted to build a house. It doesn't match the age... ;) Best regards

I slightly disagree with the trend here in the thread: we decided in favor of the location and made some compromises on the house. Not with the core points like detached, but it could have been a bit bigger.

However, we are happy to do without that; the location is simply much, much, much more important to us. Extremely fast connections and being in the countryside, priceless for us. Unfortunately, an expensive combination for the plot. So, there had to be one or two compromises with the house.

Regarding the financing. Nowadays, it is hardly possible for anyone to pay off a house within 15 years in popular locations (okay, exception Steffen, who just pays it off from his petty cash). Nothing wrong with that; in return, you get long-term security with fixed interest rates.

I see exactly the same. Only petty cash is of course nonsense. Otherwise, I wouldn’t need a 500k loan :)

is not of a different but the same opinion, I think. This is about a small town with apparently good infrastructure AND street connections every 20 minutes. This is not a compromise, but location, location, location ;)

Greetings

I am starting to feel like I have to justify myself here. We are not in our early twenties. We have been together for 8 years, married for 5, have completed vocational training, and each have a master’s degree; in addition, we have two children. I think we are not approaching this naively and we know where the advantages and disadvantages of one location or another lie. Not everyone is cut out for the countryside or a small town, no matter how good the conditions may objectively seem.

I had also hoped that more experiences would be shared by people who have made compromises regarding the location (or not). I have to say the longer I think about it, the more I believe that I am just convincing myself that the small town is better "only" because it is cheaper. But the feeling of "I want to live there!" absolutely does not occur. It actually goes in the opposite direction. I only ever get this feeling when I see properties in a location roughly comparable to where we currently live. Yes, I know the small town is not bad and there is nothing against it that we probably couldn’t adapt to. But that is somehow still not what we imagine. At least according to the plan, it is actually supposed to be forever. We cannot imagine ever leaving our city (or the region) at all. So moving abroad or to another region / big city is out of the question for us. So far, we have always categorically rejected the inheritance in the small town. It was just never our thing. And I really worry that it is only "lack of money" that is pushing us out now and not the actual desire to live there. And that we might very much regret that later. If we could afford something in the city, for example, we would never have even thought about moving to the small town. Likewise, we would not rent an apartment there anymore.

Good heavens... I hope you understand a little of what I mean.

I think, subconsciously you have long since made your decision - against the small town. It won’t help you if dozens of people here write that they made compromises regarding the location because of the lower price and don’t regret it, because with you it could still be very different. From your descriptions, it’s clear and obvious that the small town is not an option for you. Everyone has their priorities: for one person it is the location of the property, for another the size of the property or the house, for the next the luxurious amenities, and for someone else the maximum loan amount/term that should not be exceeded. Everyone has their area where they don’t want to make compromises and everyone has their "Must Haves" in mind when thinking about their own house. For you, location has the highest priority and that is perfectly fine. I’m afraid you wouldn’t be happy in the small town, even if “objectively speaking” it is still a well-located property (that’s how it sounds to me ;)). Should you build on this property, I suspect you will never be completely happy. And honestly: is that the point? Ownership at all costs, even if you’re not fully on board with it? I don’t know... I don’t want to discourage you from taking the property but your descriptions already sound to me like your decision is already made. Unfortunately, the experiences of other users won’t help you here… even if 100 users now write that they made location compromises, YOU still won’t necessarily be happy on THIS property. Only you can decide what the alternative is for you: longer loan term, no ownership, or whatever… the choice isn’t easy, I know.

We ourselves will build absolutely rurally. There is no tram or anything like that here… it’s a small village, in the middle of nowhere. So an absolute horror for you :D. But for us it was never a compromise. We are “country bumpkins,” I grew up in this place, our friends and families live here (or at least in one of the neighboring towns), our workplaces are nearby, we feel comfortable here. For me, it would never have been an option to move to the city, that’s just not my thing. For me and my husband, it was never up for debate to build a house in a city, and from the start it was absolutely clear that we would stay right here. Therefore, it is no compromise for us, even if for many others it would be an absolute no-go to build here ;). That the land and building costs are significantly lower here than in the city is just a positive side effect. We are also not high earners; a house in the city would have been financially out of reach for us anyway. But we had other priorities: a plot of at least 600 m², certain extras that we absolutely wanted (e.g., controlled residential ventilation, blinds in the living area, double garage, etc.) and also a maximum loan limit that we didn’t want to exceed. It also wasn’t always easy for us to reconcile everything but at the moment it looks like we'll manage :). Only: if that had not been the case, I would have preferred not to build at all rather than to compromise on something that we would never be fully happy with. Then we would rather have continued renting and saving and hoped that our dream would come true in a few years… or bought an existing property, which are even cheaper here than a newly built one.

You can already make the decision in favor of the city, I can understand that, but we have seen in our own experience and also with many acquaintances that with child(ren) you just don’t feel like searching for parking and carrying stuff up to the 5th floor along with a cramped apartment and a catastrophic housing market when you want to expand. If you stay in the city because you absolutely want to, then you just have to live with the disadvantages. Most people with children that we know eventually decided against the city because even though they had everything on their doorstep, they didn’t end up using it anyway. Or a townhouse on the outskirts, etc., but that’s not everyone’s thing either. But if you absolutely don’t want to leave will, then you have to organize yourself. Sugarcoating a small town makes no sense, although I don’t miss anything in LP. Ok, of course you have a bigger range of everything in the big city, but first of all you have to actually use it and secondly the connection in the commuter belt can also be good enough. Ultimately, everyone has to decide that for themselves. Best regards Dirk Grafe