Construction costs are currently skyrocketing

I no longer eat meat to protect the climate, the next person has turned off their heating since the beginning of the war and only showers cold, another demands a speed limit, another the insulation of houses and the replacement of light bulbs. And of course the classic, even more wind turbines and photovoltaic systems.

Tenor: Putin gets no more money. We are saving Putin to death, so to speak.

So we have to decide. Either we wreck our entire energy-intensive economy. We destroy our infrastructure, create masses of poor and unemployed. Neglect and civil war.

If you want to accuse the callers of having a need to contribute, you would probably have had to connect yourself to the studio. What’s the point here?
Why does the saved shower of a caller wreck industry?
Expanding photovoltaics or wind turbines does not destroy industry either; on the contrary, it even creates jobs.

Reflex to bite?!

Are you actually *for* something, or just against everything that grandpa didn’t know yet?

There are no additional capacities to compensate for Russian hard coal. Everything else is wishful thinking.

Everything else would be the truth. There is a gigantic global overcapacity of hard coal (ditto oil). Maybe it was previously preferred from Russia (price? transport route?), but the supplier is by no means irreplaceable. You are completely misinformed on that.
It gets more interesting with gas, see my previous post.

Neglect and civil war.

That will probably remain your wet dream.

The purchase of a self-used property is not primarily an investment aimed at optimizing returns. Most people make an emotional purchase that is supposed to feel "safe" over the term. And an uncertainty about what might (also negatively) await me in 10 years does not contribute to the feeling of security.

That is funny, because at the same time most justify their property acquisition with words like "wealth building" and "retirement provision." Two topics where returns should be the focus, not the feeling. On the other hand, people also diligently pay into Riester or private pension insurances which definitely do not bring any returns...

As for me, I have calculated that with a small installment increase to 2000€, I have absolutely nothing to fear. Not even at 7-8%, although I could certainly afford a significantly higher rate then. The key to security is the control of the remaining debt, and that is achieved through equity and repayment. A long fixed interest rate is only a moderate substitute, as it only protects against interest rate risk. But if most of the bricks of the house belong to me and not the bank, I am also better protected against occupational disability, etc., where the fixed interest rate absolutely does not help me.

With 3-7% inflation, they can relax for the next few years until their loans are repaid

Provided their own salary rises accordingly!

Otherwise, it gets tight when there is less and less purchasing power left from the net income after deducting the bank installment. And on the net side from the state, it will also be skimmed off because the coffers and health insurance are empty after Corona and bazookas. And we haven't even talked about a severely deteriorating economy due to shortages everywhere.

Wages always lag behind inflation. Even in a hyperinflation. That is why the workers ran to do their shopping as quickly as possible on pay day in 1923, because prices had risen fivefold just an hour later.

Today's collective agreements are made until the end of 2023. They do not include the inflation rates up to then. What is 3 percent wage increase per year with 7 percent inflation per month.

m.W. In 32 years. I financed an industrial hall back then at the age of 16 with 10.4% interest. I was finished after 4.5 years. 32 years supposed to be short? We all get older, but damn, that’s not just a feeling – half a lifetime.

I have already given my example. With a 10% nominal interest rate, it makes sense to pay off as quickly as possible. However, if I pay 1.63% with a 30-year fixed interest period, it doesn't make sense to invest liquid funds or surpluses into rapid repayment. Especially when inflation is higher than 1.63%. Possible extra repayments or a higher repayment rate I prefer to put into products with higher returns (stocks, ETFs) and happily pay 1.63% for 30 years or let inflation (provided my salary increases more than 1.63% and roughly keeps pace with inflation over time) pay off my loan, and I enjoy the money or the profits I generate with it and can spend.

*bored because no one wants to engage with his doomsday fantasies*

go jogging. Count your supplies. But spare us the propaganda.