What financial options do we have for building a house?

Therefore yes, in percentage terms and not in absolute numbers

Just look at the thread starter.. Income: €5,900 Expenses: €3,600

So there are €2,300 left to save. And calculates with €833 per month. If I have €2,300 left and only save €833, then that is NOT full throttle saving That’s what I wanted to say..

That's why it's in percentages and not in absolute numbers

Just look at the original poster.. Income: €5,900 Expenses: €3,600

So there is €2,300 left to save. And calculates with €833 per month. If I have €2,300 left over and only save €833, then that is NOT full throttle saving That's what I wanted to say..

Well, accordingly, the construction sum was smaller!

Calculation for this thread

Project including land €550,000
Annual construction cost increase 3% = €16,500
Cold rent 12 x €880 = €10,560 (estimated based on the indication of €980 warm)
Unnecessary costs = €27,060 per year

With a savings rate of 12 x €2,300 he saves €27,600 per year

With a 30-year fixed interest period at 2.6% these €27,600 cost €12,177 in interest.
In other words, by saving €27,600, you make a solid €12,177 profit

I'm just a dumb industrial foreman and I always hated business administration, but I prefer to start 1 year earlier and pay the unnecessary costs of €27,060 into a home loan, because in the first year you have already paid back more interest than you would have saved through the 12 x €2,300, namely €14,154 in the example given above.

If the real estate transfer tax is increased on July 1, 2016, and the value added tax on January 1, 2017, then all the saving was for nothing ...

The perfect time to build is IMHO when you have found the desired plot of land.

Ok, I give up. Especially due to the current (unbelievable!) politics, quite different tax burdens will probably come upon us. And then possibly additional costs for private security services.