Construction costs are currently skyrocketing

Does anyone have a guess or explanation why there are now more existing houses online?

For older inventory, I actually suspect that not significantly more people are selling houses, but rather that more of them make it onto the portals (or they remain there longer). So, simply that there isn’t already a line of 100 people willing to pay any price because somehow the financing will work out. But that’s just a guess from me without any basis behind it ;) Regarding register data exchange... there’s some model project called "Register-Cockpit" or something like that (or was it "Data Protection Cockpit"? Something like that), which I believe is supposed to achieve something similar to what Tolentino describes. (You see when which register data about you is transmitted and can possibly approve it.) Otherwise, as I said, also try googling "Registermodernisierungsgesetz" to see what is currently being developed.

Does anyone have a guess or explanation why there are now more existing houses online? Are people moving away? Have they lost their jobs and can no longer pay the mortgage? Do they want to quickly get a lot of money for the house before prices crash?

Here in the region I most likely think the latter. Although the prices are partly simply massively inflated. Recently a nice example Before the war... We are in a rural area here and a house from the 70s in a small village without infrastructure was for sale... Inside nicely done but not really renovated and outside a nicer front garden but otherwise largely also in its original state. The location within the village was also not that good and the plot as here with 90% of the houses, so nothing special... It was supposed to cost 450k, so depending more than a new building including land costs here. After a few weeks it was reduced to 380k... In my opinion still too much. I think it is still listed on the internet.

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I could imagine something similar to a SEPA direct debit mandate, but regarding data instead of money.

Here in the region I most likely think the latter. Although the prices are simply massively overpriced in some cases. Recently a nice example Before the war... We are in a rural area here and a house from the 70s in a small village without infrastructure was for sale... Nicely done inside but not really renovated and outside a nice front garden but otherwise largely in the original condition. The location within the village was also not so good and the plot like here with 90% of the houses, so nothing special... It was supposed to cost 450k, so depending on that more than a new build including plot costs here.
After a few weeks it was reduced to 380k... In my opinion still too much. I think it is still listed on the internet

Earlier I came across a very old semi-detached house here with quite bizarre descriptions... "The building was built in 1935 and would be renovated in 2022 and would be up to the latest energy standards" no idea what this "would/would be" is supposed to mean. If the previous owner does that, I would have assumed it would be phrased differently and it would also not be listed as building efficiency class H... very weird. Anyway, I found the price of 500k very proud for a 100 sqm semi-detached house (oh no it "would" be expanded to 136 sqm) from 1935. Yes, the plot will also have its share but the area is not that expensive there either

The swap relevant for construction financing is currently correcting slightly. From the high of 2.0% to 1.70% at 10 years. The same direction applies to the Bund yield. You might be able to use this again for a renegotiation, provided the application is currently running... just as a tip...

After the US inflation data yesterday was slightly above consensus and the yield is still falling, it seems that at least in the short term growth concerns are outweighing inflation concerns...

The swap relevant for construction financing is currently correcting slightly. From the high of 2.0% to 1.70% at 10 years. The same direction applies to the federal bond yield. Maybe this can be used once again for a renegotiation, insofar as the application is currently running...just as a tip..

Thank you... We will be at the bank next week to fix everything if possible.