Everyone just sugarcoats their point of view like that. It is a tedious discussion, already debated millions of times on the internet.

In the end, the words "ES HÄNGT DAVON AB!" always come up.

Whether you win or lose is determined just before the tombstone.

Well, I wouldn’t say right before the gravestone. After all, you’ve usually lived in your own house/apartment for x years by then, if you bought it. How are you supposed to price that in euros now? For example, I can already say that it was worth it. It would really only be stupid if I didn’t sell the house in time before the gravestone.

Everyone just sugarcoats their point of view like that. It’s an exhausting discussion, already debated tens of millions of times on the internet.

In the end, the words "IT DEPENDS!" always stand.

Whether you win or lose is decided shortly before the gravestone.

I can remember the early days at the bank. A very likeable customer during my training. He was retired, and when I asked him how high the repayment should be, he said, "As low as possible! My heirs can also enjoy the remaining debt" somehow cool, just my taste

Well, just before the tombstone ...

It is really hard to let go of the discussion, isn't it?

I think this topic is basically quite easy to understand, even without measuring exact numbers.

Namely; either I can and want to afford a house, or not!
Wanting to but not being able to is already annoying. But that's how it is.
Not being able to and still doing it is just super stupid.

What makes this topic so "complicated" are exactly those users who deep down know very well that they actually cannot afford it, but do not want/cannot accept that and still buy. As I said... Super stupid. (Human! Nevertheless, super stupid).

But they must and will pay the price for this super stupidity, which is human. One way or another.

Variant A: Savings contract with a very high savings rate diligently taken out at the local Sparkasse or Volksbank, but max. 0.5% interest (=> "diligent saver"), unfortunately well below the inflation rate. Variant B: Property purchase four years ago, since then an increase in value of about 40% (estimated by 2 independent realtors, possibly a bit more in case of auction instead of sale). Estimated liquidation time in our metropolitan area about 4-6 weeks. Financing interest significantly below the inflation rate, which means for all economists: waking up every morning with a wide grin. In both variants A and B, the financial limit is exhausted, but variant A is exemplary for the typical German [Michel], B is considered highly risky and objectionable by many. Find the mistake...