Construction costs are currently skyrocketing

No problem at all. Wages are rising by 12 percent...

Sorry for the sarcasm, but this can only lead to a big hit at the end of this or the beginning of 2023

Higher interest rates lead to shorter terms with the same repayment rate.

Higher interest rates with the same repayment rate lead to higher installments. So you're comparing apples and oranges.

It was like that until 2012/14... Interest rates between 4-9%.

Interest rates were about 2/2.5% in 2012/13

The last 2-3 years were an extreme exception

The last 8 years..

Better to build 10-20 sqm smaller and save costs and secure a higher interest rate over the entire term

I would rather build 10-20 sqm bigger and have a lower interest rate ;)

Always remember. Building is like Lego. For adults. Since kfw&Co more like Lego Technik ventilation. Cooling Photovoltaics storage heat pump etc. ;D

We could reactivate all the coal mines in the Ruhr area. There is enough hard coal available. We would import the few necessary workers. That could somehow still save us all.

Electricity and steel from German hard coal. Who would have thought!

70 percent of Germany's power station coal now comes from Russia. So soon, of course, no longer.

The mines have probably long since flooded. Nothing will be reactivated quickly. And if we want a future for our children, we should get out of fossil stuff as quickly as possible.

What other reason is there besides selling the house? Otherwise, utilization of the property is not possible, but that is a tightrope walk.

Section 490 paragraph 2 initially only mentions legitimate interest and explains that an alternative utilization explicitly (in particular) constitutes such. This neither excludes other legitimate interests nor defines that alternative utilization can only be a sale. In my case, I wanted to refinance my condominium. First, the land charge had been released through repayment; second, a larger land charge would have been possible due to appreciation in value. However, the ING did not want to do that, so I wanted to redeem the ING and go elsewhere with a completely new, larger financing. = alternative utilization / legitimate interest. But the ING denied me that as well. We could have sued, with a good chance of success, but we didn't have the time. Fortunately, we then found a bank that did it in second lien.