Who first built a smaller house and extended it?

Sorry, I just noticed that the property is not included in the €200,000. But you can now calculate what you get for it. ;)

The houses from Massa Haus are shell houses. You have to put a lot of your own work into them.

Friends of mine also had a shell house and worked on it for about three quarters of a year. During that time they lived with their parents and didn't have to pay rent. And they also had a lot of friends who helped. And they didn't do it just for a meatloaf sandwich ...

What might possibly be considered is a loan through (in our case in Bavaria) the LaBo. It's available in many federal states. A program for housing promotion. However, not everyone gets a loan there and it depends on many factors. But my acquaintances did receive such a loan (however in NRW).

I have already mentioned that we simply don't like to save up equity for another five years (let's roughly say 100,000 €), so that we then bring 30% equity into the financing. In five years it will be said: now interest rates have risen by 2% and the interest rate quickly eats up our hard-saved 100k!

By the way, that is nonsense ...

Then we lived very frugally for five years because we want the house and didn’t get anything out of it!

So it must be possible to build a house for 200k, right? :)

Didn’t get anything out of it? Yes! A bank account with CAPITAL. That it can backfire with the interest in 5 years, I agree.
So to me, this sounds like a small child who thinks it has to have everything!

A house for 200k is doable, but ONLY the house. Maybe with painting and flooring.
My house cost 55% of the total costs!

I stick to my point: first make clear to yourself what is financially possible, and then you move on to house planning.

By the way, that's nonsense ...

Why is that nonsense? Even my bank advisor agrees with me!

Got nothing from it? Yes! A bank account with CAPITAL. That this can backfire in 5 years with the interest, I agree. So for me, it reads like a small child who thinks they have to have everything!

A house for 200k is doable, but ONLY the house. Maybe with painter and flooring. So my house cost 55% of the total costs!

I stand by it, first make clear what is financially possible, and then you go for house planning

55% of how much?