Turnkey house construction, but with own room layout?

Everything is a question of where, in which life situation, and how expensive. Do you want to live there for the next 20 years? How is the real estate market? For how long do you want to finance? You have to reckon that just for a standard condominium, the equivalent of 3-4 years’ rent is lost due to additional costs and renovations. If you plan to live there for the rest of your life, that’s not a problem. If your time horizon is 5-10 years, that’s another matter.

The planned construction is a) financially unrealistic and b) hardly salable again because of the peculiar floor plan design. If I were you, I would take a cheap house from Town & Country and convert the children’s rooms into your hobby room and guest room. Depending on the real estate situation, you can sell it again.

I can save €10,000 per year, so I could still rent for 3 years and then possibly do something with €50,000, right? By then I might also find a woman. But I need to know one thing. Have a house built or buy a house?

In this case, I have the impression that it would be best to rent for 3 years and become an adult first. Saving 10k per year as a single person is not a bad idea at all.

One thing I have to know. Build or buy a house?

Why do you need to know that now? What if I say "buy" and in X years there are no decent properties on the market? Both have their pros and cons.

Just keep saving diligently and find the woman of your life. ;) In a few years you can then think about a property again.

All clear! You were tough but fair. Thanks for the consultation and for doing it in record time :)

Alternatively, move to the countryside and keep animals, adopt children, buy a house for a shared flat, move in with 3 funny seniors. It is a fact that currently the savings account is not a good investment, land is not the worst option if you know exactly where you want to go.

You are a civil servant. That means, first of all, a secure job once you have your lifetime tenure. But what about the place of work? Are you working for a state or federal authority, keyword transfer? This does not always have to be voluntary; office closures and task relocations happen all the time. Niedersachsen is also quite large.

At your age, I would, if at all, finance a 1-2 room apartment. Maybe also a bit older if the price and especially the location are right. So a big city or metropolitan area with good prospects, possibly with universities and technical colleges, then you can rent out such an apartment later. Or maybe sell it for a profit. But even if you sell it after, for example, 5 years at +/- break-even, you have saved yourself 5 years of rent.

But take it slow and don’t rush into it. Think about your professional future, where you see yourself in 5 years. Regardless of whether you find a partner or not. Because finding a woman at 25 and then building a house right away is also a big deal. Maybe "she" has completely different plans. That’s why either stay renting or finance a small apartment.