Construction costs are currently skyrocketing

But it doesn't say exactly how many single-family houses there are, since two-family houses are included.

Yes, 40% of 256,000, so 102,500 apartments in single-family and two-family houses. Later, you can also find the figure of 83,800 apartments in single-family houses, so 83,800 single-family houses.

Then there are 18,700 apartments in two-family houses (ZWH) or about 9,400 two-family houses (whether real ones or single-family houses with a pseudo granny flat for KfW).

Yes, 40% of 256,000, so 102,500 apartments in single-family houses and two-family houses. Later, there is also the figure of 83,800 apartments in single-family houses, so 83,800 single-family houses.
Then there are 18,700 apartments in two-family houses or about 9,400 two-family houses (whether real or single-family houses with pseudo-secondary apartments for KfW).

As I said, I hadn’t read it at first. But that doesn’t change the statement…

Comes from another thread today, but thematically fits very well here too

Yes, we spoke with the bank. Since we - as it could hardly be otherwise - are with a direct bank, we don't get off quite so lightly. About €5000 are due and of course we lose the good interest rates as well. But well, I can live with that before things escalate completely.

The lady also said they are currently being overwhelmed by customers who want to return their loans or, even worse, are in the middle of the construction phase and can no longer pay, need additional financing, or slip out of the interest-free period.

I actually don't think the 5000 from the bank is that unreasonable. You have to consider that they had signed a binding contract. The bank also incurs processing costs as a result. They probably don't miss out on any profit given the current interest rate developments, but they still have to sell the money again first, and prepayment fees are contractually regulated, the 5k is probably below that? But only the OP probably knows that.

They probably don’t miss out on any profit with the current interest rate developments, but they first have to get the money sold again, plus prepayment penalties are contractually regulated, the 5k is presumably below that? But only the OP probably knows that.

Prepayment penalties are NOT contractually regulated. They can be set at the bank’s reasonable discretion.

There is only one regulation in the case of property sale. However, the loan interest rates would be totally irrelevant there, since for the calculation of the prepayment penalty the reinvestment interest rates (Bundesbank yields) are used.

[DQUOTE="kati1337, post: 571424, member: 51345"] Dangerous half-knowledge, but wasn’t there talk of a ban on crypto (or at least Bitcoin) in the EU? [/DQUOTE] A vote was held on a ban of energy-intensive cryptocurrencies like Bitcoin, but the draft was rejected. However, you still need strong nerves in this area because the prices react extremely to external factors (for example, Elon Musk just has to post something on Twitter while drunk). And since I couldn’t sleep peacefully if all my savings were tied up in stocks and cryptocurrencies (for me, stress unfortunately actually manifests as sleep problems), and having a lot of money in the bank in times of high inflation is also not a good idea, I am incredibly happy about our decision despite the difficult-to-calculate construction costs and can hardly wait for it to start. Somehow we’ll manage, even if it possibly takes longer than hoped due to material shortages.