We also do, by the way, thanks to equity. Hence my surprise about the "248 = at the limit" headline.

Well, according to this article, the loan-to-value ratio has also continued to rise, currently at 83%. So it is already approaching a limit.

Limit sounds good, I hope to finally be able to sign a loan by the end of this month (we are waiting for the approval of the property). The essential thing is simply that you can no longer save equity quickly enough (against the rising construction costs). Accordingly, if you want to build, you are almost forced to take out a large loan. About 1.5 years ago, we were still expecting a total investment of 300k, now we're looking at a total investment of 560k. If you are still relatively young, then there is simply no equity and you have to take out a large loan (in our case 490k) (or have the building done). I hope that the interest rates will remain the same until the end of the month, even though a historic low is reached every week nowadays...

Loan-to-value ratio has actually increased further according to this article, currently at 83%

So? What does that mean on average?
Roughly, the lending value when purchasing = purchase price minus 10%

Sample calculation
Purchase price €100,000
Lending value thus €90,000
Financing thus €75,000
Equity contribution thus €35,000 (I calculated 10% incidental purchase costs).

An average family therefore finances only 75% of the purchase price or 68% of the total costs. This is still a conservative ratio overall, if 32% equity is used in the purchase.

And as a bonus, interesting topics that have nothing to do with personal finance are always discussed here. That’s why we’re all still here, right?

Yes, actually, except for HilfeHilfe, who is there to ...... hmm, I’m not really sure?! To show how great he is and how everyone else overestimates themselves and can’t think logically, or something like that... well, to add his two cents to everything even if it generates zero added value, yes, quite the opposite, it often drags the mood in the thread into the negative.

Yes, actually, except for HilfeHilfe, who is there to ...... hmm, I'm not sure about that either?! To show how great he is and how everyone else overextends themselves and can't think logically, or something like that... well, basically to add his two cents to everything even if it generates zero added value, yes quite the opposite, often dragging the mood in the thread into the negative.

are you frustrated? Did I somehow offend you?

if the bright red financings don't want to hear that things are tight, then there's nothing to be done for them. Unlike the harakiri financings, I have my finances under control. Nobody wants to hear negatives. People only want pats on the back and to hear how great they are and spend 50% of their income, work full-time, and drop the kids off at the grandparents.

All good

Of course, no one wants to hear anything that makes them doubt their decision. That’s human. It’s also no use poking around in it. But that is the case with all risky decisions. Therefore, I simply find such discussions pointless. Everyone should do as they see fit, and that’s that.