Why one would rather build a house than buy a complete one

A family moving into a new house. (Courtesy/iStock)

I plan to realise my dream to own a home within the next three years. I have learnt to accept that I am not able to do so via a mortgage, thanks to the ever increasing interest rates! Another reality is that I cannot go the off plan way where I purchase a house plan then pay installments as the developer constructs following recent reports of fraud where innocent buyers bought plans that were never completed nor refunded. My easier route is to buy a plot using my Sacco savings, construct a mabati (makeshift) house that I can move in as I build my house using my monthly income in bits. Is this possible.

Sam, Nairobi