We would have received at least 600k but would have had to limit ourselves. With the 260k and now 200k afterwards, we feel comfortable. The article also shows the abstract ratio of construction costs to loans. Significantly more is taken out in relation to construction prices / purchase prices.

Full financing is okay. If the installment fits, then everything is fine. Better anyway than desperately trying to save against rising prices now.

Not everyone has a family that spoils them or inheritances from grandpa. From our grandparents, who are all dead, we inherited exactly zero point zero. The inheritance goes to the children first (i.e., our parents). And they keep the bag tightly closed (they contributed exactly zero point zero towards the house purchase. At the wedding, we got a total of 800 euros from *everyone*... At Christmas, there’s 50 euros). Unfortunately, no start capital through inheritance, even for the heirs, since they now don’t need "start capital" at over 70. Back when people were just over 60 and then inherited something, that might have been possible. Today, people inherit at 85-90 to their already elderly children.

For the first house, my husband had just had a job for 4 years, I had only tens of thousands of study debts and no job. How is one supposed to get anywhere reasonable regarding equity? The bank said yes anyway, and back then the difference between 100% and 90% was not really that big. At 70%, okay, that was a leap. But today >8% for full financing?? Where does that exist, please.

House formerly 250,000 DM and today 700,000 euros or 1.4 million DM.

Factor 6 leads to higher loans.

Thank you for your attention.

No matter how we twist and turn it... I stick to it: The current prices for a house are outrageous!

House used to be 250,000 DM and today 700,000 euros or 1.4 million DM.

A factor of 6 leads to higher loans.

Thanks for your attention.

Well, it depends where. My parents bought a terraced house for 320,000 marks at the end of the 90s and had to take out full financing with 5-6% interest.
We are now building in the neighboring town for a total of about 350,000, including land, kitchen, incidental costs, etc., a similarly sized house with a similarly sized plot and, as mentioned, also have financing over 100% but with interest below 2%. So the difference isn't that huge.

I was less concerned about full financing. The article mentions an average loan amount of €248,000 for single-family house projects. How large are your project volumes? 400K 500K 600K... an average of €248,000 is a joke. Or do the statistics also include existing properties aka bargain house renovations?