Construction costs are currently skyrocketing

Their statement implies that in the event of a massive loss in value of the property, there is an obligation to make additional payments. If this cannot be fulfilled, the loan becomes due.

What a completely thoughtless nonsense idea.
Conversely, the bank surely also commits to lowering the interest rate during the ongoing financing because the house is now worth more or because the loan-to-value ratio fell below xx% due to repayment?

Pacta sunt servanda.
No more and no less.

Then take a look inside yourself. That is usually actually stated there. But most banks have no interest in turning book losses into actual losses. As long as your installments are being paid, they usually don’t ask. However, it may be that they are forced to check and also re-verify that their collateral is still worth something. So that something like what happened in the USA doesn’t happen here as well. Then it gets interesting.

Laying stones 50cm high 80€ per meter all inclusive in anthracite

To contribute something to "baukosten"

...
I am now just waiting for the night storage heaters to make a comeback.
They are also heated with renewable energy.

exactly that was told to me recently by an acquaintance
He got old night storage heaters for the large photovoltaic system with storage and heats his old building with them.

Please do not distract from the topic. Even if some do not want to know anything about it.

However, I think the underhanded attack on the property rights of German homeowners by Robert Habeck should definitely be discussed. After all, the new legal requirements for heating systems will have significant effects on the entire real estate market. Especially since the uncertainty among the population could not be greater.

First of all, a restraint in lending by banks for existing properties is to be feared. These properties will certainly be valued differently than just a week ago. A certain hesitation to buy is also expected. Many will wait first.

A house built in 2010 will be almost as affected as a house built in 1980. Both with gas heating and not complying with the latest insulation regulations. Many owners are still financially fully involved. Refinancing will be interesting not only because of interest rates but also because of depreciation.

For most owners, the train for heating renovation has already left the station or better said derailed. Delivery times for new oil and gas heating systems have jumped sharply for days now. Currently, with online orders, I see 3-5 months or 150-200 days. You may have the heating system but still no heating installer. It will definitely be very tight.

Anyone who now has a 15-year-old gas heating system in the basement will probably be sitting on hot coals. If the heating then breaks down irreparably, it will be difficult. Who buys a house now where a complete renovation might be necessary?
Prices for new heating systems and renovations are likely to rise to astronomical levels.

In times of highly uncertain energy supply and raw material shortages, enormous inflation, rising interest rates, and declining real wages, I consider such a political intervention in the entire real estate industry to be highly questionable.

And Habeck does not need to run off to Ukraine and finance the big reconstruction there, by the way with German taxpayers' money.
He should rather take care of his country and our economy.

What worries me the most, however, is the fact that once again everyone keeps their mouth shut. The media sugarcoat it and the masses will kowtow. Well then!

The delivery times for new OIL and gas heating systems have jumped significantly in recent days. Currently, for online orders, I see 3–5 months or 150–200 days. You may have the heating system, but not the heating technician yet. It’s definitely getting very tight.

Once again "alternative facts"? Various models (Viessmann, Vaillant, Buderus) both gas and oil are immediately or within 10-20 working days available in various shops.

What worries me the most, however, is the fact that everyone once again keeps their mouth shut. The media sugarcoat it and the masses will obey. Well then!

Well then, get out on the street instead of always preaching the end of the world here with your now eighth nickname (counting your newest one)... You have all these nicknames because you always forget your password, right? It’s just a pity for the forum users who don’t know your history and don’t realize that 95% is nonsense but believe it...