Construction costs are currently skyrocketing

Can you/would you like to explain why? I assumed that due to the higher interest rate, longer loan terms are not so uninteresting for banks, especially since after 10 years any (?) loan can be terminated by the customer anyway.

First of all, it is still quite normal today to fix the interest rate for longer than 10 years. We do this daily (although significantly less than before the interest rate increase - but this affects all terms). Apart from that, higher interest rates do not mean different margins for banks. You also have to look at how a bank refinances itself. If you do it right – i.e., congruently structured – and buy liquidity on the market, this liquidity does not only cost interest but also liquidity costs, which are quite high for longer terms. If I am a "gambler," like many savings banks, cooperative banks, ING, etc., I take the depositors’ money (savings deposits) and make loans out of it. So, short-term available money – currently still very cheap – to long-term expensive money. Many banks will now face real problems that did this until half a year ago. Back then, money was even negatively priced – turning it into a mortgage with 1% was okay. But if I now have to pay around one percent interest on overnight money and at the same time continue to receive only 1% from the loan from half a year ago, that no longer fits... Interest rates, refinancing, bank earnings, etc., is a highly complex topic. With private mortgage financing, today you can only make (little) money if you work in a standardized way via platforms or IT-supported systems.

What do you consider "fair" for ceiling spotlights in solid construction with a filigree ceiling
So halogen box + wiring without light bulbs

What do you consider "fair" for ceiling spotlights in solid construction with a filigree ceiling So Halox box + wiring without light bulbs

I can't tell you what is fair, we would have paid €150 gross each for LED ceiling spotlights fully installed in the reinforced concrete ceiling (price from the general contractor).

What do you consider "fair" for ceiling spotlights in solid construction with a filigree ceiling? So Halox box + wiring without light source

Have a look inside a modern motorhome, 1. Ceiling spotlights as general lighting just bright and uncomfortable, great for puzzling, and 2. Ambient lighting, cozy and inviting. I would never plaster the ceiling with spots (that was the last craze in the seventies, so 50 years ago). Fair is €200 per piece, whoever wants that should also pay for it

Take a look inside a modern motorhome,
1. Ceiling spots as general lighting are simply bright and uncozy, great for puzzling, and
2. Ambient lighting, cozy and inviting.
I would never plaster the ceiling with spots (that was all the rage in the seventies, so 50 years ago).
200€ each is fair, whoever wants that should also pay for it

And unlike lamps, you can’t change them. If I don’t like a lamp in a few years, I just hang a new one. With spots? We have those outside in the roof compartment for exterior lighting, they’re great there. But inside, I wouldn’t have them installed. Maybe at most in the hallway.

We would have to pay 129...

But we are considering only making light outlets for 38... And then surface-mounted spots (hallway ground floor, bathroom, kitchen)