Construction costs are currently skyrocketing

That is more the truth. That's why not everyone wanted to get a high school diploma. As a car mechanic or otherwise trained, non-graduated worker, you could also finance your own house with a garden as the sole breadwinner. Even without excessive personal contribution, but then you just worked more shifts. But yes, the demands have increased as well. On the other hand, some things have also become much cheaper in relation to the average monthly income. Look at white and brown goods, today you can get really good things for a fraction of a monthly income. I claim that in the past, half (yes, also a fraction, but still a large one) to two monthly incomes went into that. By past I mean me 40, 50 years ago.

These professions still exist today. Whether it’s enough for a property as a sole breadwinner I’d dare to doubt, but in the trades you can currently earn quite good money. At least from what I hear. Try finding a bricklayer. Or plumbing companies, they are desperately looking for apprentices. The professions have become quite interesting with today’s modern technology. And since there is demand, the pay is getting better too. But hardly anyone wants to do it today. The trades urgently need newcomers.

Which is also a thing. It’s usually not really cheap. Here in KN, the price per square meter in an old building started at €5000, so you’re putting down half a million there. Even if you move a bit away, say Radolfzell, you quickly spend €350k, more like €400k. Sure, cheaper than a new single-family house, but I understand affordable differently. And if you think about everything you don’t get for that: a garden, distance from neighbors,...

But Germany is not just the Lake Constance region. And where the condominium costs 500, the new build costs 800-1000 (and more). Certainly not cheap, but more affordable for more people. It’s undisputed that you don’t have some things there. But there are also plenty who don’t value that much or don’t want that at all. Regardless, it will simply not be possible for every family to live in their own single-family house. I understand your point and I would answer most of it the same way for myself. But that’s not the question in a funding program. Specifically here, it’s about whether it enables people to get into homeownership despite the worsened framework conditions. And condominiums belong to that.

Yes, in demand, but still not well paid. The problem is that a full-time salary (=2 part-time salaries) often is not enough to support a family permanently. And I am not talking about the "Traditional Family (TM)" that the baby blues wish for so much. As far as I'm concerned, the woman or diverse person can also work full-time or both work part-time or alternately. But I claim that more than 50% would not be enough for a decent living – not to mention a house with a garden. Most people here in the forum are already incredibly privileged.

In my opinion, when considering salaries, one must not forget that many salaries these days only appear high. Especially the gross salaries. Due to the increase in salaries in recent years and the bracket creep, combined with inflation, the real outcome in the end is not what one would expect at first glance. On the topic of personal contribution, I unfortunately have to agree with Durran. Whether he really followed through like that, I can't judge. However, in my opinion, the message is the right one. People in Germany, in general, are no longer willing to forgo. Nobody here is given anything for free, and if you prioritize spending a lot of time with your family, the services have to be bought. Arguments like two left hands, but then you start sweating, or the torn toenail are, for me personally, often just excuses. Talent aside, in terms of motor skills, every person is probably gifted enough to be able to do simple work on the house themselves.

One must not forget in the consideration of salaries, in my opinion, that many salaries nowadays only look like a lot. Especially the gross salaries.

One must not forget the opposite direction: People have more money in their pockets every month than the gross suggests: - Civil servants - Self-employed - Craftsmen (side jobs, legal or off the books) - Alimony recipients (- Do capital gains count as gross income?)

In relation to salary, building is even cheaper today than 20 years ago!