Construction costs are currently skyrocketing

105% loan-to-value ratio? Is that the whole wannabe-get-rich-quick-with-real-estate YouTuber scene? Those are probably rentals, right?

For under 40s, definitely not easy to do anymore without inheritance. But there are plenty who get a financial boost from their family. That will continue for some time - but maybe then you won’t see fireplaces, tilt-and-slide doors, large windows, external blinds, electric shutters, double garages, etc. as often anymore. And the living space will just shrink a bit. People just need to lower their expectations a bit again. We could have easily spent 150k less too, but we didn’t want to ;)

ditto, be glad!
But I meant the time when every hairdresser, bakery salesperson (nothing against the professions - just ordinary people) could somehow afford their own house through [EL], I don't see that anymore.

In America 30y fixed mortgage at just under 5% :D

So that every person with maybe 1500 euros net could afford to put up a single-family house, even if they got 0.8% interest - I strongly doubt that :)

But if both work. Well, then you have to avoid the South