Why are you building a residential house at 28? What will you be doing at 48? Do we really have financial advisors for these young people! You believe this nonsense that it is a shame to rent? Or some other nonsense that renting is expensive? Sit down with a proper financial advisor leave street talk on the street.
Rent anywhere you want and invest your savings. You will build when you are 45! If you build at 28 you with either break that house in 20 years or you will not even want to look at it.